Kitchen Table Cents
Third Paycheck Plan: the months with three paychecks in 2027 and 202852-Week Challenge tracker with weekly amounts and running totals100 Envelope Challenge grid, numbered 1 to 100Find the Money worksheet for bills and subscriptions$1,000 Emergency Fund in 90 Days with weekly and every-other-week trackers

Payday Savings System

$9

A Google Sheet that works out what to save from each paycheck, eight printable savings challenges and two bonus tools.

You probably already know you should save. The hard part is the number: how much, out of which paycheck, and what to cut to make room for it. This system works that out around the way you’re paid.

What’s inside

  • A Savings Planner in Google Sheets. Type in your take-home pay, how often you’re paid and your goal. It counts the paydays, splits the goal into whole-dollar amounts, shows what share of your paycheck that is and suggests a challenge that fits.
  • Eight challenges, as printables and as tabs in the sheet: Third Paycheck Plan, $10k in a Year, the 52-Week Challenge (plus a reversed version), the 100 Envelope Challenge, a $1,000 Emergency Fund in 90 Days, a No-Spend Month, Sinking Funds and a Holiday Fund.
  • Find the Money, a worksheet that goes through your bills line by line and turns what you cut into a per-paycheck number.
  • The 10-Minute Payday Routine, five steps to run every payday before you spend anything.
  • A Start Here guide that gets your first plan done in about ten minutes.

Works with how you’re paid

Weekly, every other week, twice a month or monthly. The printables are US Letter and print fine in black and white. The sheet runs in Google Sheets on a computer or in the free Sheets app on your phone.

30-day money-back guarantee

If it isn’t working for you, email [email protected] within 30 days of your order and we’ll refund you in full. No questions asked.

Available soon. Join the list below and you will hear the day it opens.