Paycheck Budget
Plan each paycheck before you spend it: bills that fall on it, envelopes for groceries, gas and fun, and what is left to spend or save.
Try it here
A live demo of the app with a made-up example. Nothing you do here is saved or sent anywhere. In your download you start with an empty planner of your own.
Protected by ZeroUploadThe app works on your device. Your entries are never uploaded.
What it does
Works with any pay schedule
- Weekly, every 2 weeks, twice a month or monthly
- Every payday of the year is worked out for you
- Type the real amount when a paycheck differs
Bills land on the right paycheck
- Type each bill once with its due day
- It appears on the paycheck that has to cover it
- Bills due in the next 2 days turn coral
Envelopes for every paycheck
- Decide how much each paycheck puts in each envelope
- Spending fills the envelopes as you go
- An envelope that goes over turns red
The whole year at a glance
- What is left after each paycheck, all year
- Next paydays with their bills
- Use it again next year: set a new first payday
Watch the walkthrough
Inside the download
Questions
Where do I buy?
On Etsy only: every “Buy on Etsy” button opens our EnveloSheets shop. After payment Etsy gives you the download right away. This site does not take payments.
What is in the download?
A START HERE guide and an archive with folders for Excel, Apple Numbers, Arabic and the app. The guide has a button for every look that makes your own copy in Google Sheets.
Where is the example?
In every file: your empty planner comes first, then a tab called Example with a filled-in sample. The example never mixes with your numbers.
Do I need an account or a subscription?
No. You pay once on Etsy. The spreadsheets and the app work on their own, without any account.
Where is my data?
In your own file: your Google Drive copy, your Excel or Numbers file, or the app on your device. We never see your numbers.
Can I move my entries between the app and the spreadsheet?
Yes. In the app: Settings → “Import from Envelo Excel” and “Export to Envelo Excel”. Only your entries move; the spreadsheet does its own math. From Numbers or Google Sheets, save the file as Excel (.xlsx) first.
Does changing the currency convert my amounts?
No. It changes the symbol only; the amounts stay exactly as you type them.
Are the formulas locked?
In Excel and Numbers the formula cells are locked against accidental typing. In your Google Sheets copy they show a warning before you change them – the copy is yours, so you can still edit everything.
Which languages?
English, Spanish, French, German, Portuguese, Italian, Dutch, Polish, Russian and Hindi in one file, plus a separate right-to-left Arabic file.