reddit · SideProject · 10-19 23:50 63 分 ← 返回列表

Built a spreadsheet out of my family's paycheck budget because monthly budgeting never worked for us

throwaway-ish story, figured this sub would get it so my wife and i get paid biweekly and for years we tried to do the whole monthly budget thing and it just never clicked. like the math technically works but in real life you'd hit the second friday of the month and have no idea if you were ok or screwed. the bills don't care about calendar months. what actually worked was stupid simple. every paycheck: write down what came in, subtract the bills that hit before the next check, and whatev

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付费意愿

需求真实度

个人可落地

竞争空间

新鲜度

AI 分析

痛点：按双周发薪的家庭用月度预算对不上账单周期，不知道每张工资到账后到下次发薪前是否够用。

目标用户：双周/周薪发薪、被月度预算困扰的工薪家庭，尤其有托儿等高固定支出的家庭。

证据：i put a cleaned up version on gumroad for $19 ... every paycheck: write down what came in, subtract the bills that hit before the next check, and whatever's left over, keep $200 of it sitting there and throw the rest at savings. ... i just need to know friday's number.

变现：卖 $19 的 Google Sheets/Excel 模板；后续可做 $5-9/月的订阅版（自动同步银行流水、账单提醒、多设备）。

MVP：两周内做一个 26 行（每张工资一行）的 Google Sheets 模板：输入工资和账单日期，自动算下次发薪前余额、标红紧张支票、带账单提醒清单，配 Gumroad 落地页和 3 分钟使用视频。

竞品：YNAB、EveryDollar、Budget by Paycheck、Google Sheets 预算模板、PocketSmith

摘要：作者因双周发薪、月度预算不实用，做了 26 行按每张工资规划的表格，自家用了一年多， daycare 每周 $320，并放到 Gumroad 卖 $19。帖子给出了明确的价格和真实自用验证，但没有销量或买家付费原话，需求真实性仍属个人验证阶段。