Budget Calendar: Payday Cash-Flow Spreadsheet for Excel & Google Sheets

Will I make it to the next payday? Budget Calendar answers that with a day-by-day calendar of your paydays, bills and running balance. Days that dip below your cushion turn red, so you see a tight week before it arrives.

What's inside

• Calendar: pick any month and see every payday, bill and forecast balance, plus a clear "will I make it to payday?" answer.
• All pay schedules: weekly, every 2 weeks, twice a month or monthly, with up to 4 income sources.
• Monthly Budget: planned vs. actual by category, with how much is left to spend.
• Transactions log: category dropdowns that feed the budget automatically.
• Year View: a 12-month balance forecast, charts and savings goal progress.
• AI Helper (optional): builds a compact summary of your month by formula, plus copy-and-paste prompts and an instruction block for the AI you already use.
• Start Here sheet: a short guide so you can set it up in about 10 minutes.

Good to know

• Includes both an English and a French (Québec) version of the file. Version française incluse.
• Delivered as Excel files (.xlsx). Formulas calculate automatically.
• Works in Excel and Google Sheets. For Google Sheets, upload the file to Google Drive and open it with Google Sheets.
• Your download link is emailed within minutes. If you don't see it, check your junk or spam folder.
• Includes example data so you can see it working, then replace it with your own.
• Forecasts are estimates based on the numbers you enter. Bills are assumed to leave on their due day.
• It never asks for account numbers, and nothing leaves the file unless you copy it yourself.
• This template is for planning and learning only. It is not financial, legal or tax advice.
• 14-day refund if it doesn't work for you.