Four-Weekly Pay UK Household Budget

Paid every four weeks rather than monthly? You get 13, sometimes 14, paydays a year instead of 12, and they drift through the calendar — most months hold one payday, but one month a year holds two. Budgeting as if it were monthly slowly runs you into the red, especially when a big bill lands in a one-payday month. This planner is built around that rhythm instead of fighting it.

Enter your first payday and usual take-home once, and it:

• Lays out all your paydays every 28 days and shows which month each lands in
• Flags the single 'bumper' month that gets two paydays — the month to bank a surplus
• Charges UK council tax over the standard 10 monthly instalments, or 12 on a toggle
• Spreads once-a-year costs (car insurance, MOT, road tax, Christmas) into a monthly sinking fund
• Shows a running safety-buffer balance and warns before any month it would dip below £0

Everything is colour-coded — cream cells to type in, grey cells worked out for you, with formulas protected against accidental changes. The engine was checked against a full worked example — 13 paydays, a bumper month, overtime, and a buffer dipping below zero and recovering — with 97 checks, all passing.

This is a self-directed budgeting tool, not financial advice.