Bi-Weekly Budget
Budget by Paycheck, Not by Month
kakeibo-templates.com
Month:
Year:
1
PAYCHECK 1
Pay Date: ____/____
Amount:$__________
2
PAYCHECK 2
Pay Date: ____/____
Amount:$__________
ASSIGN BILLS TO PAYCHECKS
From Paycheck 1Due Date
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| Total | $________ |
From Paycheck 2Due Date
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| $________ | ___/___ | |
| Total | $________ |
VARIABLE EXPENSES (Split Between Paychecks)
| Category | From PC 1 | From PC 2 | Total |
|---|---|---|---|
| Groceries | $________ | $________ | $________ |
| Gas | $________ | $________ | $________ |
| Dining Out | $________ | $________ | $________ |
| Entertainment | $________ | $________ | $________ |
| Personal | $________ | $________ | $________ |
| Other | $________ | $________ | $________ |
| Total Variable | $________ | $________ | $________ |
SAVINGS (Split Between Paychecks)
| Goal | From PC 1 | From PC 2 | Total |
|---|---|---|---|
| Emergency Fund | $________ | $________ | $________ |
| Retirement | $________ | $________ | $________ |
| Sinking Funds | $________ | $________ | $________ |
| Other Savings | $________ | $________ | $________ |
| Total Savings | $________ | $________ | $________ |
PAYCHECK SUMMARY
Paycheck 1
Income:$__________
− Bills:$__________
− Variable:$__________
− Savings:$__________
Remaining:$__________
Paycheck 2
Income:$__________
− Bills:$__________
− Variable:$__________
− Savings:$__________
Remaining:$__________
🎉 Is This a 3-Paycheck Month?
Twice a year, you'll receive 3 paychecks in one month! Plan to use extra paycheck for:
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Bi-Weekly Budget Template - Budget by Paycheck (Free PDF)
Budget by paycheck, not by month. This bi-weekly budget template helps you allocate each paycheck to specific bills and expenses, perfect for those paid every two weeks.
Time Required
30 min setup, 15 min per paycheck
Difficulty
intermediate
Free to use • Print or save as PDF • No email required
How to Use This Template
1
List All Bills with Due Dates
Write down every bill and when it is due
2
Map Paychecks to Calendar
Note your paydays for the coming months
3
Assign Bills to Paychecks
Match bills to the paycheck before their due date
4
Balance Each Paycheck
Ensure no single paycheck is overwhelmed
5
Plan Variable Expenses
Allocate groceries, gas, etc. from each check
6
Leverage Extra Paychecks
Use months with 3 paychecks for savings or debt
Frequently Asked Questions
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Month:
Year:
INCOME
| Source | Expected | Actual |
|---|---|---|
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
| Total Income | $ | $ |
EXPENSES
Fixed Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Rent/Mortgage | $ | $ |
| Utilities | $ | $ |
| Insurance | $ | $ |
| Phone/Internet | $ | $ |
| Subscriptions | $ | $ |
Variable Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $ | $ |
| Transportation/Gas | $ | $ |
| Dining Out | $ | $ |
| Entertainment | $ | $ |
| Shopping | $ | $ |
| Personal Care | $ | $ |
| Health/Medical | $ | $ |
| Other | $ | $ |
| Total Expenses | $ | $ |
SAVINGS & DEBT
| Category | Goal | Actual |
|---|---|---|
| Emergency Fund | $ | $ |
| Retirement | $ | $ |
| Debt Payment | $ | $ |
| Other Savings | $ | $ |
| Total Savings | $ | $ |
MONTHLY SUMMARY
Total Income:$____________
Total Expenses:$____________
Total Savings:$____________
Remaining:$____________
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Month:
Year:
STEP 1: Your After-Tax Income
Monthly Take-Home Pay: $
50%
NEEDS
$
30%
WANTS
$
20%
SAVINGS
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NEEDS
Essential expenses you must pay
Budget:
$____________
| Expense | Budgeted | Actual |
|---|---|---|
| Housing (Rent/Mortgage) | $________ | $________ |
| Utilities (Electric, Gas, Water) | $________ | $________ |
| Groceries | $________ | $________ |
| Transportation | $________ | $________ |
| Insurance (Health, Car, Home) | $________ | $________ |
| Minimum Debt Payments | $________ | $________ |
| Childcare | $________ | $________ |
| Other Needs: | $________ | $________ |
| Total Needs | $________ | $________ |
30%
WANTS
Non-essential spending that improves life
Budget:
$____________
| Expense | Budgeted | Actual |
|---|---|---|
| Dining Out | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions (Streaming, etc.) | $________ | $________ |
| Shopping | $________ | $________ |
| Hobbies | $________ | $________ |
| Personal Care | $________ | $________ |
| Travel/Vacations | $________ | $________ |
| Other Wants: | $________ | $________ |
| Total Wants | $________ | $________ |
20%
SAVINGS & DEBT
Building wealth and paying off debt
Budget:
$____________
| Category | Budgeted | Actual |
|---|---|---|
| Emergency Fund | $________ | $________ |
| Retirement (401k, IRA) | $________ | $________ |
| Extra Debt Payments | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Investments | $________ | $________ |
| Other Savings: | $________ | $________ |
| Total Savings | $________ | $________ |
MONTHLY CHECK
Income:$____________
Needs (Target 50%):________%
Total Spent:$____________
Wants (Target 30%):________%
Total Saved:$____________
Savings (Target 20%):________%
On Track?
Notes & Adjustments for Next Month:
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Month:
Year:
INCOME
Paycheck 1:$__________
Paycheck 2:$__________
Side Income:$__________
Other:$__________
TOTAL INCOME:$__________
GIVE EVERY DOLLAR A JOB
Remaining to assign: $__________
HOUSING
| Rent/Mortgage | $________ | $________ |
| Electric | $________ | $________ |
| Gas/Heat | $________ | $________ |
| Water | $________ | $________ |
| Internet | $________ | $________ |
| Phone | $________ | $________ |
TRANSPORTATION
| Car Payment | $________ | $________ |
| Gas | $________ | $________ |
| Insurance | $________ | $________ |
| Maintenance | $________ | $________ |
| Parking/Tolls | $________ | $________ |
FOOD
| Groceries | $________ | $________ |
| Dining Out | $________ | $________ |
| Coffee/Snacks | $________ | $________ |
PERSONAL
| Clothing | $________ | $________ |
| Personal Care | $________ | $________ |
| Health/Medical | $________ | $________ |
| Entertainment | $________ | $________ |
| Subscriptions | $________ | $________ |
| Hobbies | $________ | $________ |
INSURANCE & DEBT
| Health Insurance | $________ | $________ |
| Life Insurance | $________ | $________ |
| Credit Card | $________ | $________ |
| Student Loan | $________ | $________ |
| Other Debt | $________ | $________ |
SAVINGS
| Emergency Fund | $________ | $________ |
| Retirement | $________ | $________ |
| Sinking Funds | $________ | $________ |
| Other Goals | $________ | $________ |
GIVING
| Charity | $________ | $________ |
| Gifts | $________ | $________ |
MISCELLANEOUS
| Buffer/Fun Money | $________ | $________ |
| Other: | $________ | $________ |
| Other: | $________ | $________ |
THE ZERO CHECK
Income
$__________
−
All Categories
$__________
=
Should be
$0
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