0120 min
Find your leaks
Enter last month's spending. The template sorts it into Must-pay, Life and Leaks, then shows your biggest leak and its yearly cost.
A 30-minute money reset
Your paycheck disappears. Here's where it goes.
The Paycheck Plan is a simple budget template that finds your money leaks and gives every dollar a job before payday. No finance degree, no complicated app, no shame.
Instant download · Google Sheets and Excel · 5 short video lessons included
PAYCHECK PLAN · APRIL
CategoryGroupPlanActual
RentMust-pay$1,250$1,250
GroceriesLife$420$286
TakeoutLeak$80$134
StreamingLeak$20$46
Left to spend
$342
Biggest leak
Takeout · $134
Sound familiar?
Payday feels great for about three days.
By the next one, the money's gone and you can't point to one big thing that took it.
You've tried budgeting apps. You stopped opening them.
You earn a steady paycheck, so why does it still feel like you're behind?
The real problem
It's not a willpower problem. It's a plan problem.
Money without a job leaks. It slips into takeout, forgotten subscriptions and small purchases that never feel like much at the time. The fix isn't earning more or cutting everything you enjoy. It's deciding where each paycheck goes before it lands.
How it works
Three steps. About 30 minutes.
025 min
Plan your paycheck
Before payday, split your paycheck into Must-pay, Life and Future. You'll know when every dollar has a job.
03A few min/week
Watch one number
Log what you spend and check your Left to Spend number. That's it.
What's inside
Everything you need, nothing you don't.
A filled-in sample helps you see it working before you start. Five short videos walk you through every step.
Find Your Leaks
Automatically sorts your spending and names your biggest leak.
Paycheck Plan
Plan each paycheck with a live Left to Spend number.
Any pay schedule
Weekly, biweekly, semi-monthly or monthly.
Transaction log
Pick a category from a dropdown; everything else updates itself.
Bills & Subscriptions
See every recurring charge, its annual cost, and what's due this week.
Your categories
Rename, add or move any category to make the plan yours.
Zero math. Zero formulas to touch.
Type in the cream cells; the template does the rest.
See what it finds
$804
back in a year
In our sample budget, the biggest leak was takeout and delivery: about $134 a month. Cutting it in half would free up around $804 a year.
Example based on sample data. Your numbers will be different.
TAKEOUT & DELIVERYBiggest leak
Current monthly spend$134
Spend after cutting it in half$67
Yearly amount freed up$804
This is for you if
- You have a steady income but still feel behind
- You want a simple system, not a finance hobby
- You've quit budgeting apps before
This isn't for you if
- You want investment advice or stock picks
- You already track every dollar and love complex dashboards
The Paycheck Plan
Start in 30 minutes.
- Google Sheets + Excel
- Filled-in sample version
- 5 short video lessons
- Yours to keep
$12
One-time payment. Yours to keep.
FAQ
Questions, answered plainly.
Do I need Excel?
No. It works in Google Sheets for free, and in Excel if you prefer.
Do I need to be good with spreadsheets?
No. You type in the cream cells and everything else calculates. The video lessons show each step.
What if I'm paid weekly, biweekly or monthly?
It works with all of them. Choose your schedule on the Setup tab.
Does it connect to my bank?
No. You enter your numbers yourself, which keeps your financial data private and in your own file.
Can I use another currency?
Yes. The template displays dollars, but you can change the currency format in Google Sheets or Excel.
How do I get it?
Right after purchase, you'll receive an email with your download link.
Is this financial advice?
No. The Paycheck Plan is an educational tool to help you organize your own money. For personal financial advice, speak with a licensed professional.
Who is Nora?
Nora is Money Unstuck's AI-generated presenter. She guides you through the lessons; the method and template are built by the Money Unstuck team.
Your next paycheck is coming either way.
Give it a plan this time.