SEV Payday Budget Spreadsheet

Most budgets work by the month, but pay often arrives weekly, fortnightly, every four weeks, on the last working day or twice a month. This spreadsheet budgets by payday instead. Enter how you are paid and list your bills once, and it works out what each pay has to cover and what is left.

• Paydays: every payday for the year ahead, in six pay patterns: weekly, fortnightly, every four weeks, monthly on a date, monthly on the last working day, and twice a month. A payday that falls at a weekend or on a bank holiday can move to the working day before or after, or stay as it is. You list your bank holidays on the Settings sheet.
• Bills: monthly, weekly and annual bills, each placed in the pay period it falls in. A large or irregular bill can be spread evenly instead, with an equal set-aside from every pay.
• Savings and what is left: save a fixed amount or a percentage of pay each payday, and see what is left to spend, in total and per day.
• Spending and This Pay: log what you spend, with the date, and each line is matched to its payday. The This Pay sheet shows the current pay period: its bills in date order, and what is left now.

A worked example shows a fictional person paid £1,150.00 fortnightly. For the first pay, bills and set-asides of £340.31 and savings of £50.00 leave £759.69 to spend, or £54.26 a day; after £187.95 of spending, £571.74 is left.

Who it is for

• People paid weekly, fortnightly, every four weeks or twice a month, for whom a monthly budget never quite fits.
• Anyone who wants to know, on payday, what this pay has to cover before the next one.
• People who prefer a spreadsheet to a budgeting app, with their figures kept in their own file.

Sheet — What it does

Start Here — How it works, your licence, and where to find free help with money worries

This Pay — The current pay period: the bills due, with dates, and what is left

Settings — How often you are paid, your next payday, pay, the weekend and bank-holiday rule, savings, and your bank holidays

Bills — Every bill once: amount, how often, when it is due, and whether to spread it evenly

Paydays — Every payday for the year ahead, and what each pay has to cover

Bill Grid — Worked out for you: what each bill takes from each pay period

Spending — What you spend, each line matched to its payday

This is a digital product supplied by SwordEyeVisions Ltd. Two spreadsheet files (.xlsx): the blank spreadsheet, and a worked example filled in with fictional figures. No physical product is supplied and no shipping charge applies.

This product is offered for immediate digital delivery. Before completing your purchase, you will be asked to consent to supply before the end of the 14-day cancellation period and acknowledge that your right to cancel ends when supply begins. Once payment succeeds and those requirements are completed, your download link is sent automatically to the email address used for your order. You do not need to email us to request delivery.

Keep your order confirmation and download email. If you cannot find them, check your spam or junk folder. For delivery, cancellation or file-access assistance, contact info@swordeyevisions.com with your order number.

As a consumer, you normally have 14 days after the day your contract is formed to cancel without giving a reason. If you validly consent to early supply and acknowledge the loss of your cancellation right, that right ends when supply begins. To cancel while that right remains, email info@swordeyevisions.com with your order number and a clear request to cancel. No special wording is required. Your statutory rights if digital content is faulty, not as described or otherwise fails to meet legal requirements remain unaffected.

Refunds and statutory rights

If you exercise a valid statutory cancellation right, we will refund the amount due without undue delay and within 14 days after you tell us you are cancelling, using the original payment method unless we agree otherwise, without a refund fee. After supply, we will assess any problem with the digital content and provide the remedy required by law. We may consider goodwill requests individually; no additional blanket refund guarantee is promised. Where an order is cancelled or refunded and access is withdrawn, we deactivate its download access separately. Deactivation does not remove copies already saved to your device. These terms do not limit rights that cannot lawfully be excluded.

One customer's own budgeting, on their own devices. Please do not share, resell or upload the file, or present it as your own work.

For delivery, cancellation, download or file questions, contact info@swordeyevisions.com with your order number.