Paycheck to Paycheck Budget Excel Spreadsheet

Mom Money Map

Regular price $16.99

This paycheck to paycheck budget Excel spreadsheet template will help you to:

  • Assign every paycheck dollar to a budget expense, debt or savings area so all of your money is working for you
  • Plan and track your budget
  • Set and reach your budget goals

There are 22 tabs in this paycheck to paycheck budget including
1. Expense worksheet to help you quickly calculate your monthly summaries
2. Bill tracker so you won't be late with bill payments
3. Password tracker so you'll have your account username, password and security questions/answers accessible
4. Monthly budget summary sheets
5. Total income, expense, debt and savings progress over the year
6. Progress towards early retirement using 3 calculation methods

There is also an extensive instructions manual containing what's on each budgeting tab, how to use each tab, and additional tips on how to budget, save and make more money.


  • Digital: This is a digital file. No physical product will be sent.
  • Microsoft Excel: This product has been designed for use in Microsoft Excel. The formatting might appear differently depending on the Microsoft Excel version you use. If you're interested in using it in Google Sheets, here's the Google Sheets version.
  • Editable: I've locked some cells to prevent accidental changes to formulas and graphs, but all cells can be unlocked. See the instructions for more details.
  • Customizable: All the income and expense categories are customizable. See the instructions for more details.

Other Important information:

  • How to Download: Once payment is complete, the digital file(s) will be available for download and an email will be sent to you. If there are any issues, here's an article about how to download digital items.
  • Support: If you need help with this product or have inquiries, contact us. We will respond as quickly as we can.
  • Access: This one-time fee provides you with lifetime access to this product. There are no recurring fees.
  • Final Sale: All sales are final. Due to the type of product, these digital products are non-refundable.
  • Copyright: Products are copyrighted. These products are meant for personal and not commercial use. Please do not copy, share, redistribute or resell these products.

Here's a variation of this budget. The main difference is that this budget variation auto-calculates your savings; you don't enter in your savings. There's also no debt summary or password tracker.

We take pride in creating simple, but comprehensive products at an affordable price. If you need something custom made, feel free to reach out. We are always trying to improve our products so any recommendations or thoughts are greatly appreciated.

I want you to be happy doing business with me so any questions are welcome.

Thanks for stopping by! Your support is appreciated.


Customer Reviews

Based on 10 reviews

I've already set up my budget for 2024 with the Paycheck to Paycheck Budget Excel Spreadsheet and I love it. I also purchased the Sinking Fund Tracker as well and feel warm and fuzzy about my budget and projects next year. This really took the stress away and I can easily get a clear picture of my fiscal responsibilities.


A little difficult to get used to but perfect once you get the hang of it!


Love this budgeting program so easy to use and helps me see where all my money goes.


Really helpful and easy to use

Charmed Creations Store

i love it. huge help