MultiverseOSP
Budgeting
Sinking Funds Tracker
Set a goal and a date for each fund and see exactly what to set aside each month and each paycheck.
$9Buy
Until Payday Budget
Assign every bill to a paycheck and always know what is safe to spend until the next one.
$29Buy now, $29
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
Who it's for
Teachers on 10-month contracts, nurses with base pay plus overtime, dual-income households with paydays that don't line up, and anyone paid on a schedule that isn't the 1st of the month. Not ideal if you are paid once a month or want an app that syncs to your bank.
Why it helps
For people paid weekly, biweekly, or semimonthly. Your monthly budget balanced, your checking account didn't. Until Payday shows the number that lives in the gap: what is safe to spend from your real checking balance until your next paycheck arrives.
What it does
- Paycheck Plan: upcoming paychecks generated from your next payday and pay frequency; two incomes interleaved by date
- Safe to Spend: a phone-friendly dashboard with one big number, built from your real checking balance
- Bills assigned to the paycheck that pays them, automatically or by hand
- Calendar view of paydays vs due dates for the month
- Sinking funds per paycheck, with Gap / Summer and Insurance spike funds pre-built
- Income Splitter: overtime, tips, and third checks get a job on arrival instead of inflating the number
- Optional Transactions log with a weekly five-minute money check-in
- Debt section: minimum payments feed the plan, with snowball vs avalanche estimates
What's included
One .xlsx workbook that opens with a filled example household (a teacher and a nurse with mismatched paydays). Yellow cells are yours, gray cells are formulas. No VBA, no Apps Script, no bank login. 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.
Preview it
Real sample data from the workbook. Change a yellow cell and the totals recalculate.
Bills on this paycheck (sample household)
Safe to spend
| Bill | Due day | Amount |
|---|---|---|
| Rent | 1 | |
| After-school care | 1 | |
| iCloud / storage | 2 | |
| Groceries (early month) | 3 | |
| Streaming bundle | 4 | |
| Fuel (first half) | 7 | |
| Internet | 8 | |
| Work lunches (Maya) | 9 |
Bills total
Per day, 14-day paycheck
Yellow cells are editable. Simplified preview of the Safe to Spend tab. The full workbook builds the bill list per paycheck automatically from due dates and pay dates.
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
Is this a loan or cash advance?
No. Until Payday is a spreadsheet. Not a loan, bank product, or advance. It never moves money and never connects to your bank.
Does it work if my partner and I are paid on different days?
Yes. Two incomes with different frequencies and dates are interleaved by date in the Paycheck Plan.
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.
$29Buy now, $29
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
Until Payday Budget is in the Money Planner Bundle: 5 spreadsheets for $49 instead of $79. Want everything? The Complete Money Toolkit is $129 ($231 value).
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