To split bills between paychecks, assign each bill to the paycheck that arrives on or before its due date, then even out the checks by moving flexible due dates or splitting large bills. A bill belongs to the latest payday on or before its due date. Print one page, or download a CSV for Google Sheets or Excel.
Example data
Example data. Pay is every two weeks, anchored on Fri Oct 2, 2026, with the holiday shift off. Rent due Oct 1 belongs on Fri Sep 18. Rent due Nov 1 belongs on Fri Oct 30, the latest payday on or before that due date.
| Bill | Amount | Due | Paycheck |
|---|---|---|---|
| Rent | $1,200.00 | Oct 1 | Fri Sep 18 |
| Rent | $1,200.00 | Nov 1 | Fri Oct 30 |
| Electric | $140.00 | Oct 12 | Fri Oct 2 |
| Phone | $60.00 | Oct 20 | Fri Oct 16 |
| Car | $320.00 | Oct 28 | Fri Oct 16 |
Print or download
A bill belongs to the latest payday on or before its due date.
This is a plan, not your live balance.
Heaviest check and lightest check
Fri Oct 2
Take-home $1,800.00
- Electric due Oct 12$140.00
after these bills: $1,660.00
Fri Oct 16
Take-home $1,800.00
- Phone due Oct 20$60.00
- Car due Oct 28$320.00
after these bills: $1,420.00
Fri Oct 30
Take-home $1,800.00
- Rent due Nov 1$1,200.00
- Electric due Nov 12$140.00
after these bills: $460.00
Fri Nov 13
Take-home $1,800.00
- Phone due Nov 20$60.00
after these bills: $1,740.00
Fri Nov 27
Take-home $1,800.00
- Car due Nov 28$320.00
- Rent due Dec 1$1,200.00
after these bills: $280.00
Fri Dec 11
Take-home $1,800.00
- Electric due Dec 12$140.00
- Phone due Dec 20$60.00
after these bills: $1,600.00
Before these checks, Fri Sep 18 has Phone $60.00, Car $320.00, and Rent $1,200.00.
- Split Rent in half. $600.00 stays on the Fri Oct 30 check, and $600.00 goes on the Fri Oct 16 check.
- Pay Car ($320.00, due the 28th) from the Fri Nov 13 check instead of the Fri Nov 27 check.
The share link keeps amounts after the #, so they are not sent to a server.
Budgey does this every payday from your real bank data: add a bill once and it lands in the paycheck it's due in. Then you see what's left of your paycheck after what's actually posted. Core $5/mo or $20/yr.
How to split bills between paychecks
- Enter take-home pay for one check, and how often you are paid.
- Enter any recent payday.
- Add each bill with its amount and the day of the month it is due. Monthly is the default. Quarterly and yearly bills also need a month.
- Read the next six paychecks. Each bill sits on the latest payday on or before its due date.
- Print the page or download a CSV for Google Sheets or Excel.
How do I use this paycheck budget template?
Enter take-home pay, a payday, and each bill. Then print the page or download the CSV. The printout is titled My paycheck bill schedule. The paycheck bill planner is this same plan.
What is the half-payment method?
Half-payment splits a bill into two equal amounts. One half stays on the paycheck that covers the due date. The other half goes on the paycheck before it.
Links: Paycheck bill planner · Three-paycheck months · What's left of your paycheck calculator · How to budget by paycheck
By Ed Richards. Last reviewed October 8, 2026.
Ed Richards is the founder of Budgey. He's a software engineer with 11 years of experience and a single dad who built Budgey to see what's actually left of each paycheck.