You're not bad with money. Your bills and your paydays just don't line up.
See exactly which paycheck covers which bill — a full year ahead — so the weeks that used to blindside you get flagged before they hit.
The month says you're fine. The calendar says otherwise.
On paper, your income covers your bills with room to spare. But you don't get paid by the month — you get paid every two weeks. So one paycheck sails through while the next one swallows rent, the car, and insurance in a single hit.
- ✕ Monthly budgets show an average you never actually live in.
- ✕ Bill trackers list due dates but never say which paycheck pays for them.
- ✕ So the "predictable" weeks still catch you short — and you blame yourself.
"It's not that I don't make enough. It's that everything's due the same week — and that's never the week I'm ready for it."
— the exact person this was built forThree inputs. A year of clarity.
No linking your bank. No 18 tabs to learn. You fill in what you already know, and the plan builds itself.
Set your pay
Your next payday, how often you're paid, and your take-home. About thirty seconds.
List your bills
Each bill, the amount, and when the next one's due. Every repeat for the year schedules itself.
Read your paychecks
See each payday, the bills it covers, what's left, and your running balance — with tight checks flagged in advance.
Everything answers one question: can this paycheck carry these bills?
The Paycheck Plan
Every upcoming paycheck mapped to the exact bills it has to cover — for the whole year ahead.
Tight-week radar
The checks that run lean get flagged before they arrive. No more being surprised by your own bills.
Running buffer
Watch your real balance roll forward week to week, so you always know your floor — not just an average.
Cash-flow dashboard
Your tightest payday, your leanest check, and your monthly picture — all at a glance.
Set it once
Recurring bills schedule themselves a year out. You stop re-entering and start reading.
Excel & Google Sheets
Both included in the download. Works on your laptop, syncs to your phone.
Designed to be read in five seconds, not studied for an hour.
| Payday | Income | Bills | Left | Status |
|---|---|---|---|---|
| Jul 17 | $1,600 | $195 | $1,405 | ✓ OK |
| Jul 31 | $1,600 | $1,805 | –$205 | ● Tight |
| Aug 14 | $1,600 | $265 | $1,335 | ✓ OK |
| Aug 28 | $1,600 | $1,665 | –$65 | ● Tight |
| Sep 11 | $1,600 | $405 | $1,195 | ✓ OK |
Built for the way you're actually paid.
✓ This is for you if…
- → You're paid weekly or every two weeks.
- → "Predictable" bills still manage to catch you off guard.
- → You've tried monthly budgets and they never fit your real life.
- → You want control and clarity — not another guilt-trip about lattes.
○ It's not for you if…
- · You want an app that links your bank and tracks every swipe.
- · You'd rather not enter your bills once to set it up.
- · A single salaried monthly paycheck already lines up perfectly with your bills.
What you get the moment you check out
- ✓ The Bills by Paycheck™ workbook — Excel and Google Sheets editions
- ✓ A Start Here guide that walks you through setup, step by step
- ✓ A pre-loaded sample so you see it working before you touch a thing
- ✓ Free updates, forever — including semi-monthly pay support when it ships
One paycheck framework. Four tools.
Bills is the timing piece. Pair it with the other three and you've got every job a paycheck has to do — divide it, time it, clear debt, and build savings — all in one voice, all by paycheck.
The 30-day "it just works" promise
Use it for a month. If a formula ever breaks, or it isn't what you expected, email me and I'll fix it or refund you — no forms, no hard feelings.
The things people ask before buying
Do I need to be good with spreadsheets? +
Excel or Google Sheets? +
I don't get paid every two weeks — will it still work? +
Will it work on my phone? +
Is this financial advice? +
Do you see my financial information? +
Walk into every payday already knowing the answer.
Stop guessing which paycheck can carry what. See the whole year — and meet the tight weeks on your terms.
Get Bills by Paycheck — $27 →