MultiverseOSP
Budgeting
Until Payday Budget
Assign every bill to a paycheck and always know what is safe to spend until the next one.
$29Buy
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 now, $12
Instant download + email. Works in Google Sheets and Excel.
Secure checkout by StripeApple PayGoogle Pay
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.
- Instant download + step-by-step setup guide
- Works in Google Sheets and Excel
- One-time price, no subscription
- No bank login, nothing to connect
- File won't open? We fix it or send a new copy
Try it free first: Paycheck budget calculator.
Who it's for
One-income households who want the paycheck view without the extra features of Until Payday. Two incomes, overtime or a summer gap? Until Payday fits better.
Why it helps
A simpler paycheck-by-paycheck planner for one income: list your bills once and it shows, for every check this year, which bills it covers and what is left to spend or save.
What it does
- Setup for weekly, biweekly, semimonthly or monthly pay
- Bills list with due day; each bill lands on the right paycheck automatically
- Paycheck Plan for 52 checks: bills, savings, left over
- Bill Map calendar view
- Spending log by category
What's included
One .xlsx workbook with 6 tabs: Start Here, Setup, Bills, Paycheck Plan, Bill Map, Spending. Sample household loaded. Plus a step-by-step setup guide PDF. Works in Google Sheets and Excel (also LibreOffice Calc).
Includes English, Spanish and French versions.
Every tab, with sample data
Real screenshots of each tab in the file, recalculated from the included sample data.
What happens after you buy
- Pay with Stripe (card, Apple Pay or Google Pay).
- Download right away on your download page; the link is also emailed to you. Each file can be downloaded 3 times within 24 hours.
- Follow the setup guide: a step-by-step PDF is included, and the same steps are on the setup page. The AI guide in the corner can walk you through it one step at a time.
10 min
Set up in 10 minutes, or Ava walks you through it free
Ava the Fox, our AI setup guide, takes you one step at a time and can hand you to a person if you get stuck.
Please note. Informational tool only. Not financial, tax, or legal advice. Estimates come from the numbers you type. Not a loan, bank product, or advance. 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.
FAQ
How is this different from Until Payday?
Paycheck Budget Planner is the simpler one-income version. Until Payday adds two incomes, a live safe-to-spend dashboard, an income splitter and sinking funds.
What do I get?
A download link right after checkout and by email, plus a step-by-step setup guide PDF. Spreadsheets are .xlsx: open in Excel, or upload to Google Drive and save as a Google Sheet.
Do I need a subscription or app?
No. One-time price. No macros, add-ons, or bank login.
Can I get a refund?
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.
Is this financial or tax advice?
No. It is an informational tool. Results are estimates from the numbers you enter.
$12Buy now, $12
Instant download + email. Works in Google Sheets and Excel.
Secure checkout by StripeApple PayGoogle Pay
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.
Bundle and save
Paycheck Budget Planner is included in the Complete Money Toolkit: every spreadsheet plus the Notion hub and prompt library for $129 ($231 value).
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