3-Paycheck Month Calculator

Find your three-paycheck months and see every payday for the year.

Your Pay Schedule

Use the date you were last paid. If a holiday or early direct deposit shifted it, use the regular scheduled payday instead.

Confirm to see your calendar

Check the box below to generate your payday calendar.

For every-other-week pay only, not weekly or twice a month (such as the 1st and 15th).

Your schedule is saved in this browser.

Why a Third Paycheck?

A two-paycheck monthly budget accounts for 24 paychecks a year. A biweekly schedule usually has 26, leaving two months with a third paycheck.

Some calendar years have 27 paydays and three of these months. We count the actual dates for your schedule.

Start with your payday

Enter your most recent scheduled payday and confirm you are paid biweekly.

How to Read Your Pay Calendar

Each highlighted date is the third scheduled paycheck in that month. “Extra” means beyond a budget based on two paychecks per month; it is part of your regular annual pay, not a bonus or a raise.

Biweekly vs. twice a month

Biweekly pay repeats every 14 days, on the same weekday. Semimonthly pay follows two dates each month and normally has 24 paychecks per year. This calculator is for biweekly schedules only.

Scheduled dates, not guaranteed deposit dates

The calendar assumes your schedule stays the same for the entire selected year, including dates before the payday you enter. Holidays, bank processing, early direct deposit, or a job change can change actual deposit dates, sometimes moving a paycheck into a different month. Check your employer’s payroll calendar before relying on a date.

Plan ahead for your extra paycheck

Read the 3-Paycheck Month Calculator guide for a step-by-step walkthrough and ideas for savings, debt payments, investing, travel, and home improvements.

Want to see how these paychecks fit your budget? Explore the Savings Rate Calculator or map your income with the Money Flow Analyzer.