Budget planner
Payday Compass AU — Premium Fortnightly Budget Planner
A complete Excel & Google Sheets workbook for the Australian pay cycle.
Plan each pay cycle, organise bills by due date, save towards irregular costs, and keep your savings and debt goals in sight — all in one organised spreadsheet you own.
- Interactive app + companion workbook
- Runs in any web browser
- No subscription, no bank link
- Export your data as CSV anytime
Why it helps
What you get out of it
See your whole pay cycle in one view
Line bills up by due date so nothing sneaks up on you
Turn irregular costs into small, regular sinking-fund allocations
Keep savings and debt progress visible beside everyday spending
Works in Excel and Google Sheets — no subscription, no bank link
The app
Five modules that work together
Enter your figures once and every module inherits them. The interactive app recalculates automatically — no formulas to manage, no tabs to chase.
Money Runway
See your balance projected forward across your pay cycle. Low-balance days are flagged before they arrive.
Decision Lab
Test a purchase, bill or income delay against your runway before you commit. See the impact instantly.
Goal Navigator
Set savings targets with per-pay contributions and live progress bars. Know exactly what to save each payday.
Travel Money
Plan a trip budget in any currency, track funding progress, and log expenses by category.
Money Brief
A weekly AI-generated summary of where you stand: what's due, what's left, and what to do next.
What's included
In your purchase
- Full access to the interactive app — all five modules
- Companion .xlsx workbook for offline planning
- Quick Start Guide PDF
- CSV data export — your data is always yours
The workbook and guide are delivered as a digital download immediately after a confirmed purchase.
Before you buy
Compatibility
- Any modern web browser — desktop, tablet or phone
- No Excel or Google Sheets required to use the app
- Saves automatically as you enter your figures
- Australian dollar (AUD) and date formats by default
Honest limitations
What it isn't
- It does not connect to banks or import live transactions.
- It is not personal financial advice and does not recommend specific products.
- It does not automatically file taxes or produce activity statements.
- The interactive app requires an internet connection; the workbook works offline.
Before you buy
Frequently asked questions
Private by design
No bank connection. Your figures are private to your account.
Fair refunds
Faulty or not-as-described files can be replaced or refunded within 14 days.
Real support
Questions about setup or downloads? Contact us and we'll help.
See our Refund Policy, Digital Product Terms and Privacy Policy.