Get the free kit
FREE BUDGET KIT · 3 TOOLS IN 1

Stop running out of money before payday.

Made for anyone paid weekly or every two weeks whose money runs out before the next check. Get 3 free tools that show you exactly which bills each paycheck must cover and how much is safe to spend.

What you get: the online Paycheck Planner on a laptop, the Paycheck Budget Kit PDF guide, and fillable worksheets
What you get, 100% free:
1
Online Paycheck Planner web toolType in your pay and bills once. It instantly maps your next 8 paychecks: which bills each one covers and your Safe-to-Spend. Works on your phone or computer.
2
The Paycheck Budget Guide PDFLearn the simple 4-B Paycheck Plan, follow a real worked example, and use a word-for-word phone script to lower your bills.
3
17 Fillable & Printable WorksheetsType on screen or print: bill list, bill-to-paycheck matcher, paycheck plans, sinking funds, a $1,000 savings tracker and a 30-day challenge.
⏱ In about 10 minutes, you'll know exactly what's safe to spend from your next paycheck.

Send me the free kit

Enter your email and all 3 tools open right away.

✓ 100% free✓ Instant access✓ Unsubscribe anytime
From the money tools at stackwise.fun
10 minto your first Safe-to-Spend number
8 paychecksplanned ahead by the online tool
17 worksheetstype on screen or print
$0no cost, no credit card, ever
Try it right now · no email needed

What's actually safe to spend this paycheck?

Type in four numbers. This is the same Safe-to-Spend math that the kit teaches. It takes about 60 seconds.

YOUR SAFE-TO-SPEND
$112
That's about $8 a day until payday.
BillsBasicsBufferBreathing Room

Example numbers are from "Jasmine," the made-up example in the kit. Type your own to see yours.

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What's inside

A complete paycheck system, not a 5-page freebie

Three parts that work together: an online Paycheck Planner that does the math for you, a PDF guide that shows you how, and 17 worksheets you can type on or print. Here's a real look inside.

The online Paycheck Planner showing paychecks, bills and Safe-to-SpendONLINE WEB TOOLOnline Paycheck PlannerEnter your pay and bills once. The planner does the math for you:
  • Shows which bills each of your next 8 paychecks must cover
  • Calculates your Safe-to-Spend and daily spending number
  • Flags short paychecks and spots your "extra paycheck" months
  • Saves on your device, prints in one click, works on any phone
It uses the same 4-B Paycheck Plan as the guide and worksheets, so your plan on screen and on paper always match.
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Quick Win pageWORKSHEET10-Minute Quick WinFind your Safe-to-Spend for this paycheck.
The 4-B Paycheck PlanPDF GUIDEThe 4-B Paycheck PlanBills, Basics, Buffer, Breathing Room.
Bill-to-Paycheck MatcherWORKSHEETBill-to-Paycheck MatcherEven out heavy paychecks for good.
Paycheck Plan worksheetWORKSHEETPaycheck Plan WorksheetsOne simple page per paycheck.
Sinking Funds PlannerWORKSHEETSinking Funds PlannerNo more "surprise" expenses.
Lower-Your-Bills checklist and phone scriptWORKSHEET + SCRIPTLower-Your-Bills ScriptWord-for-word phone script.
Worked examplePDF GUIDEReal Worked ExampleSee a full plan, filled in.
30-Day Paycheck ChallengeWORKSHEET30-Day Paycheck ChallengeOne small step a day.
Master Bill ListPay ScheduleExtra-Paycheck PlanBasics Tracker$1,000 Color-In TrackerMoney Leak Finder15-Minute Payday RoutineMonth-End Review+ Short-Paycheck Plan & more
The method

Every paycheck gets 4 jobs

Monthly budgets don't fit weekly or biweekly pay. The 4-B Paycheck Plan does, and it's simple enough to stick with.

1

Bills

Everything due before your next payday. Paid first, so nothing is ever late.

2

Basics

Groceries, gas and the everyday things you need until next payday.

3

Buffer

A little saved every time, so one surprise doesn't become new debt.

4

Breathing Room

What's left is yours. Spend it on anything, with zero guilt.

Paycheck − Bills − Basics − Buffer = Safe-to-Spend

This kit is for you if…

  • You're paid weekly or every two weeks and money runs out before payday
  • One paycheck always feels "heavy" with bills and the other feels easy
  • Monthly budgets never seem to work for you
  • You want a simple plan without pricey apps, jargon or judgment
  • You want to start saving, even if it's just a little at a time

See it in action: "Jasmine"

A made-up example from the kit: paid every other Friday, $1,520 take-home.

BEFORERan out of money about 4 days before every payday. One paycheck carried rent, car payment and insurance.
AFTERKnows her exact Safe-to-Spend, moved one due date so both checks carry about the same bills, and saves $150 a month.

Same paycheck. A better plan. Results depend on your own situation.

Free download

Get the Paycheck Budget Kit

The online Paycheck Planner, the PDF guide and 17 fillable worksheets. Enter your email and all 3 open right away.

✓ 100% free✓ Instant download✓ Unsubscribe anytime
From the money tools at stackwise.fun
Questions

Good questions, quick answers

Is it really free?

Yes. All 3 parts (the online Paycheck Planner, the PDF guide and the 17 worksheets) are free. No credit card, no trial.

What do I get after I enter my email?

You'll go straight to a download page with the kit (a PDF) and a link to the free online Paycheck Planner. Nothing to wait for.

Do I need Excel or a special app?

No. Type right into the PDF using the free Adobe Acrobat Reader or your web browser, or just print it. The online planner works on any phone or computer.

I'm paid twice a month, or my income changes. Will it work?

Yes. The kit covers weekly, every-two-weeks, twice-a-month and variable pay. For changing income, you plan with your lowest recent paycheck and send anything extra to your Buffer.

Will you spam me?

No. You'll get the kit and an occasional helpful money tip from Stackwise. You can unsubscribe anytime with one click.