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Personal Payday Budget Worksheet

Match your expenses and income—according to each pay period you get in a month—in the table below. Feel free to customize the fields so that they apply to you.

Personal Payday Budget Plan

MONTH: ________________________________

Paycheck 1
Pay Period (e.g. 1st—15th): _______________________

Income  ActualProjectedNet Income 1 $________.____ $________.____Net Income 2 $________.____ $________.____Interest/Dividends $________.____ $________.____Child Support $________.____ $________.____Benefits $________.____ $________.____Retirement Pay $________.____ $________.____Other Income $________.____ $________.____Other Income $________.____ $________.____Remainder in Checking $________.____ $________.____ Total Net Income $_______.____ $_______.____
Savings/Investments
  Actual Projected Balance
Emergency Fund $________.____ $________.____ $________.____
Special Goals Fund $________.____ $________.____ $________.____
College Funds $________.____ $________.____ $________.____
Retirement/Investments $________.____ $________.____ $________.____
Other $________.____ $________.____ $________.____
Total Savings/Investments $_______.____ $_______.____ $_______.____

Expenses
  Actual Projected Date Due
Housing      
Rent/Mortgage $ ________.____ $ ________.____  
Storage $ ________.____ $ ________.____  
Homeowner's Assoc. $ ________.____ $ ________.____  
Maintenance $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Utilities      
Electricity $ ________.____ $ ________.____  
Gas $ ________.____ $ ________.____  
Water/Sewer/Trash $ ________.____ $ ________.____  
Telephone Land Line $ ________.____ $ ________.____  
Cell Phone $ ________.____ $ ________.____  
Cable/Satellite $ ________.____ $ ________.____  
Internet $ ________.____ $ ________.____  
Other Utilities Combined $ ________.____ $ ________.____  
Food Costs      
Groceries $ ________.____ $ ________.____  
Lunches (Work) $ ________.____ $ ________.____  
Dinner Out $ ________.____ $ ________.____  
Quick Stops $ ________.____ $ ________.____  
Transportation Costs      
Car Payment $ ________.____ $ ________.____  
Bus Fare/Subway Fare/Taxis $ ________.____ $ ________.____  
Fuel and Oil $ ________.____ $ ________.____  
Auto Insurance $ ________.____ $ ________.____  
Maintenance $ ________.____ $ ________.____  
Motorcycle Payment $ ________.____ $ ________.____  
Dependent Care Costs      
Child Care $ ________.____ $ ________.____  
Transportation Costs $ ________.____ $ ________.____  
School Lunches $ ________.____ $ ________.____  
Extracurricular Activities $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Health Care Costs      
Medical/Eye/Dental $ ________.____ $ ________.____  
Prescriptions $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Education Costs      
Housing/Board $ ________.____ $ ________.____  
Tuition/Fees/Books $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Clothing Costs      
Clothing Purchase $ ________.____ $ ________.____  
Laundry/Dry Cleaning $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Entertainment      
Movies/Going Out $ ________.____ $ ________.____  
Hobbies $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Subscriptions      
CDs/Music $ ________.____ $ ________.____  
DVD Rental/Purchase $ ________.____ $ ________.____  
Magazines/Newspapers $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Personal Needs      
Haircuts/Beauty $ ________.____ $ ________.____  
Pets $ ________.____ $ ________.____  
Religious Tithes/Charity $ ________.____ $ ________.____  
Gym Membership $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Miscellaneous      
Checking/ATM Fees $ ________.____ $ ________.____  
Child Support/Alimony $ ________.____ $ ________.____  
Gifts $ ________.____ $ ________.____  
Alcohol/Tobacco Products $ ________.____ $ ________.____  
Other$ ________.____ $ ________.____  
Total Expenses $ _______.____ $ _______.____  

Debt Payments
  Actual Projected Date Due
Furniture $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Total Debt Payments $ _______.____ $ _______.____  

Paycheck 1 TotalsActualProjected
Total Net Income $________.____ $________.____
Total Savings/Investments $________.____ $________.____
Total Expenses $________.____ $________.____
Total Debt Payments $________.____ $________.____
Surplus/Deficit $________.____ $________.____


Paycheck 2
Pay Period (e.g. 15th—End of the Month): _______________________

Income  ActualProjectedNet Income 1 $________.____ $________.____Net Income 2 $________.____ $________.____Interest/Dividends $________.____ $________.____Child Support $________.____ $________.____Benefits $________.____ $________.____Retirement Pay $________.____ $________.____Other Income $________.____ $________.____Other Income $________.____ $________.____Remainder in Checking $________.____ $________.____ Total Net Income $_______.____ $_______.____
Savings/Investments
  Actual Projected Balance
Emergency Fund $________.____ $________.____ $________.____
Special Goals Fund $________.____ $________.____ $________.____
College Funds $________.____ $________.____ $________.____
Retirement/Investments $________.____ $________.____ $________.____
Other $________.____ $________.____ $________.____
Total Savings/Investments $_______.____ $_______.____ $_______.____

Expenses
  Actual Projected Date Due
Housing      
Rent/Mortgage $ ________.____ $ ________.____  
Storage $ ________.____ $ ________.____  
Homeowner's Assoc. $ ________.____ $ ________.____  
Maintenance $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Utilities      
Electricity $ ________.____ $ ________.____  
Gas $ ________.____ $ ________.____  
Water/Sewer/Trash $ ________.____ $ ________.____  
Telephone Land Line $ ________.____ $ ________.____  
Cell Phone $ ________.____ $ ________.____  
Cable/Satellite $ ________.____ $ ________.____  
Internet $ ________.____ $ ________.____  
Other Utilities Combined $ ________.____ $ ________.____  
Food Costs      
Groceries $ ________.____ $ ________.____  
Lunches (Work) $ ________.____ $ ________.____  
Dinner Out $ ________.____ $ ________.____  
Quick Stops $ ________.____ $ ________.____  
Transportation Costs      
Car Payment $ ________.____ $ ________.____  
Bus Fare/Subway Fare/Taxis $ ________.____ $ ________.____  
Fuel and Oil $ ________.____ $ ________.____  
Auto Insurance $ ________.____ $ ________.____  
Maintenance $ ________.____ $ ________.____  
Motorcycle Payment $ ________.____ $ ________.____  
Dependent Care Costs      
Child Care $ ________.____ $ ________.____  
Transportation Costs $ ________.____ $ ________.____  
School Lunches $ ________.____ $ ________.____  
Extracurricular Activities $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Health Care Costs      
Medical/Eye/Dental $ ________.____ $ ________.____  
Prescriptions $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Education Costs      
Housing/Board $ ________.____ $ ________.____  
Tuition/Fees/Books $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Clothing Costs      
Clothing Purchase $ ________.____ $ ________.____  
Laundry/Dry Cleaning $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Entertainment      
Movies/Going Out $ ________.____ $ ________.____  
Hobbies $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Subscriptions      
CDs/Music $ ________.____ $ ________.____  
DVD Rental/Purchase $ ________.____ $ ________.____  
Magazines/Newspapers $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Personal Needs      
Haircuts/Beauty $ ________.____ $ ________.____  
Pets $ ________.____ $ ________.____  
Religious Tithes/Charity $ ________.____ $ ________.____  
Gym Membership $ ________.____ $ ________.____  
Other $ ________.____ $ ________.____  
Miscellaneous      
Checking/ATM Fees $ ________.____ $ ________.____  
Child Support/Alimony $ ________.____ $ ________.____  
Gifts $ ________.____ $ ________.____  
Alcohol/Tobacco Products $ ________.____ $ ________.____  
Other$ ________.____ $ ________.____  
Total Expenses $ _______.____ $ _______.____  

Debt Payments
  Actual Projected Date Due
Furniture $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Credit/Debt $ ________.____ $ ________.____  
Total Debt Payments $ _______.____ $ _______.____  

Paycheck 2 TotalsActualProjected
Total Net Income $________.____ $________.____
Total Savings/Investments $________.____ $________.____
Total Expenses $________.____ $________.____
Total Debt Payments $________.____ $________.____
Surplus/Deficit $________.____ $________.____


Monthly Summary
  Current Projected
Monthly Net Income $ ________.____ $________.____
Monthly Save/Invest $ ________.____ $________.____
Monthly Expenses $ ________.____ $________.____
Monthly Debts $ ________.____ $________.____
Surplus/Deficit $_______.____ $_______.____

Foster, S. (Reviewed 2017). Twice per month budget. Schuette, B. (Ed.). Raleigh, NC: Workplace Options.

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