MultiverseOSP
Budgeting
Until Payday Budget
Assign every bill to a paycheck and always know what is safe to spend until the next one.
$29Buy
Wah gwaan! Welcome to MultiverseOSP.
For people paid weekly, biweekly or twice a month
Know exactly what's safe to spend until payday.
Without a budgeting app, a bank login or a monthly fee. Private spreadsheets that show your number in about 10 minutes, in Google Sheets or Excel.
Safe to spend
$1,695
until the next paycheck, sample household
Free tool
Safe to Spend until payday
Type four numbers and see what's safe to spend until your next paycheck, plus a per-day amount. Runs in your browser; nothing is stored or sent.
Safe to spend
$0
$0 a day for 0 days
Bills and savings are more than the money on hand. Try moving a bill or lowering the savings goal.
Informational only, not financial advice. Not a loan, bank product, or advance.
Want this number every payday, built from all your bills? Until Payday does it for one or two incomes.
See Until Payday, $29 Simpler one-income planner, $12More free calculators
Crypto FIFO gains calculatorTwo buys, one sale: see FIFO cost basis and short/long-term gain.Paycheck budget calculatorSplit monthly bills across weekly, biweekly or twice-monthly pay.Seller fee & profit calculatorPrice, costs and fee rates in; fees, profit and margin out.Freelance hourly rate calculatorIncome goal, costs and billable hours in; minimum hourly rate out.FIRE & Coast FIRE calculatorYour FIRE number, Coast FIRE number and years to FI.Rental property cash flow calculatorMonthly cash flow, cap rate and cash-on-cash from your numbers.Automation time-saved calculatorHow many hours a month could a repetitive task give back?
Best sellers
Crypto
Crypto Tax & Cost-Basis Spreadsheet
FIFO cost basis, short- and long-term gains, a Form 8949-style disposal report and a staking/airdrop income summary by tax year.
$24Buy
Side hustle & freelance
Freelancer Finance Kit
Invoices, income, expenses, a quarterly set-aside estimate and your real minimum hourly rate.
$19Buy
Planning
Debt Snowball + Avalanche Tracker
See each debt's payoff month, total interest, and your debt-free date, snowball or avalanche.
$14Buy
Budgeting
Paycheck Budget Planner
Map every bill to the paycheck that pays it and see what is left from each check, weekly, biweekly, semimonthly or monthly.
$12Buy
Crypto
Crypto Portfolio + Gains Tracker
Holdings, average cost, unrealized P/L, allocation, and FIFO realized gains in one private sheet.
$17Buy
Pick how much help you want
One-time prices. No subscription, no timer, no upsell at checkout.
One tool
A single planner
$9 to $29
Pick the one problem you want solved: paycheck plan, payoff dates, crypto cost basis, freelance set-aside.
Browse single toolsRecommended
Household set
Money Planner Bundle
$49 $79
Until Payday plus the debt, sinking funds, wedding and net worth trackers. Best fit for most households: covers this paycheck, the next big bill and the long view.
Get the bundle, $49What's insideEverything
Complete Money Toolkit
$129 $231
All 12 spreadsheets, the Notion hub, the prompt library and the printable, with every setup guide.
Get everything, $129What's inside3 quick questions
Which planner fits you?
How it works
- Buy securelyCheckout is handled by Stripe. Card, Apple Pay, or Google Pay.
- Instant download + emailYou land on your download page right away, and a copy of the link is emailed to you.
- Open in Sheets or ExcelWorks in Google Sheets and Excel. No macros, add-ons, or bank login.
FAQ
Which one should I start with?
Most households start with the Money Planner Bundle. Paid weekly or every two weeks and only want one thing? Start with Until Payday (two incomes) or the Paycheck Budget Planner (one income). The 3-question quiz will suggest one.
How do I get my files?
Right after checkout you land on your download page, and the link is emailed to you. Each file includes a step-by-step setup guide PDF for Google Sheets and Excel.
Do I need Excel?
No. A free Google account works: upload the .xlsx to Google Drive and save it as a Google Sheet. Excel 2010 or newer and LibreOffice also work.
Is my data private?
Yes. Nothing connects to your bank, exchange or wallet, and we never see what you type into the files.
What if it doesn't work for me?
If a file doesn’t work, we’ll fix it. If we can’t, you get a refund within 7 days. Because these are instant digital downloads, there are no refunds for change of mind. The AI guide on every page can also walk you through setup step by step.
Is this financial or tax advice?
No. These are informational tools. Results are estimates from the numbers you enter.