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Fortnightly Budget Spreadsheet
Plan every fortnightly pay: bills matched to paydays, savings on autopilot and three-pay months planned ahead.
A fortnightly budget spreadsheet answers one question each payday: what does this pay need to cover until the next one? Read our three-pay months guide too.
Why fortnightly needs its own sheet
Fortnightly pay gives 26 pays a year, not 24. A monthly sheet hides that, so two months a year feel richer and the rest feel tight. A fortnightly sheet shows each pay with the bills it must cover.
Example: matching bills to two paydays
| Pay date (example) | Bills covered | Example total |
|---|---|---|
| Thu 6 Nov | Rent ×2 weeks, phone, streaming | A$1,138 |
| Thu 20 Nov | Rent ×2 weeks, car insurance, power fund | A$1,240 |
| Thu 4 Dec | Rent ×2 weeks, internet, Christmas fund | A$1,195 |
Example figures only, for illustration. Use your own numbers.
Three-pay months
Twice in most years a month gets a third fortnightly pay. The sheet flags them so you can plan the extra pay for savings, debt or Christmas. More in our three-pay months guide.
A five-minute payday routine
- Tick off bills due before the next pay.
- Move the savings transfer.
- Move grocery and fuel money to your everyday account.
- Note anything that went over.
General information only, not financial or tax advice.
How many fortnightly pays are in a year?
26 in most years, occasionally 27 depending on the calendar.
What is a three-pay month?
A calendar month that contains three of your fortnightly paydays. It happens twice in most years.
Does it work in Google Sheets?
Yes, it works in Excel and Google Sheets.
Related
Fortnightly Budget Spreadsheet · Slate Money HQ app · Budget Planner Bundle · Free Mini Paycheck Budget
Try it in an app
Fortnightly Budget Dashboard (A$29, one-off): Plan every payday: bills smoothed across fortnights, a tick-off payday planner, three-pay months and savings goals.