Dark Mode Paycheck Budget Planner | Navy Gold 50/30/20 Calculator (Google Sheets)

🌙 Budget by PAYCHECK, not by month — in stunning dark mode.

Stop guessing where your money goes between paychecks. This Navy & Gold dark mode spreadsheet helps you allocate every dollar of each paycheck BEFORE you spend it. Zero-based budgeting that's easy on the eyes and easy on your wallet.

📂 10 TABS INCLUDED

📖 Instructions — Step-by-step guide
⚙️ Setup — Name, currency, pay frequency, custom categories
📊 Dashboard — Annual overview + Income vs Outgoing bar chart
💰 Paycheck Budget — THE MAIN TAB: income → bills → expenses → savings → LEFT OVER. Includes pie chart. Duplicate for each new paycheck!
📝 Transactions — 60-row log (date, description, category, amount, type, paycheck #)
🗓️ Bill Calendar — 20 bills × 12 months with due dates & auto-pay column
🏦 Savings Tracker — 8 sinking funds with %, colour-coded progress
💳 Debt Tracker — 8 debts, Snowball & Avalanche strategy guide
📈 50/30/20 Rule — Auto-calculator: enter pay → see Needs/Wants/Savings split + pie chart
📋 Monthly Summary — Combine all paychecks into one monthly view + bar chart

🎁 BONUS INCLUDED: Sample Template with Full Data
See exactly how the spreadsheet works with realistic example numbers pre-filled in every tab. Use it as a reference while filling in your own blank template!

⚡ KEY FEATURES

✅ 129 auto-calculating formulas — zero manual maths
✅ 4 live charts (2 pie + 2 bar) — auto-updating
✅ Zero-based budgeting — allocate every dollar, see leftover instantly
✅ Duplicatable paycheck tab — right-click → duplicate for each pay period
✅ Works for weekly, biweekly, semi-monthly, or monthly pay
✅ 50/30/20 auto-calculator with visual pie chart
✅ Rollover tracking from previous paycheck
✅ Bill due dates aligned with pay dates
✅ Colour-coded conditional formatting (green = good, red = over budget)
✅ Works in any currency — change in one cell
✅ Navy & Gold dark mode — reduces eye strain
✅ Instant download — start budgeting in under 5 minutes

🎯 WHAT YOU RECEIVE

→ 1× Blank Paycheck Budget Template (your main working file)
→ 1× Sample Data Template with full example data (reference guide)
→ PDF with Google Sheets access links
→ Built-in instructions inside the spreadsheet

📥 HOW IT WORKS

1. Purchase & download the PDF
2. Click the Google Sheets link
3. File → Make a Copy (saves to your Google Drive)
4. Open the ⚙️ Setup tab — enter your details
5. Open 💰 Paycheck Budget — allocate your pay!
6. For each new paycheck: right-click tab → Duplicate → rename → fill in

❓ FAQ

Q: Does it work for weekly pay? → Yes! Weekly, biweekly, semi-monthly, or monthly.
Q: Can both partners use it? → Yes! Google Sheets allows real-time collaboration.
Q: Can I change the currency? → Yes — one cell in Setup applies everywhere.
Q: Can I reuse it? → Yes! Buy once, duplicate tabs forever. No annual fee.

⚠️ PLEASE NOTE: Digital download only. Google Sheets required (free). Personal use only.

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