Semi-Monthly Cashflow Comparison
The following table shows an example of the update from monthly to semi-monthly pay cycles for the 2025 fiscal year for an employee with a gross yearly salary of $36,000. To see the comparison for your own salary, an editable spreadsheet is available in which you may update the salary amount.
Semi-Monthly Cashflow Comparison Spreadsheet
| Fiscal Year | Payroll Start | Payroll End | Pay Check Date | Gross Pay Amount | Yearly Cumulative Amount |
|---|---|---|---|---|---|
| FY25 | 7/1/2024 | 7/31/2024 | 8/1/2024 | $3,000 | $3,000 |
| FY25 | 8/1/2024 | 8/31/2024 | 9/3/2024 | $3,000 | $6,000 |
| FY25 | 9/1/2024 | 9/30/2024 | 10/1/2024 | $3,000 | $9,000 |
| FY25 | 10/1/2024 | 10/31/2024 | 11/1/2024 | $3,000 | $12,000 |
| FY25 | 11/1/2024 | 11/30/2024 | 12/2/2024 | $3,000 | $15,000 |
| FY25 | 12/1/2024 | 12/31/2024 | 1/1/2025 | $3,000 | $18,000 |
| FY25 | 1/1/2025 | 1/15/2025 | 1/27/2025 | $1,500 | $19,500 |
| FY25 | 1/16/2025 | 1/31/2025 | 2/10/2025 | $1,500 | $21,000 |
| FY25 | 2/1/2025 | 2/15/2025 | 2/25/2025 | $1,500 | $22,500 |
| FY25 | 2/16/2025 | 2/28/2025 | 3/10/2025 | $1,500 | $24,000 |
| FY25 | 3/1/2025 | 3/15/2025 | 3/25/2025 | $1,500 | $25,500 |
| FY25 | 3/16/2025 | 3/31/2025 | 4/10/2025 | $1,500 | $27,000 |
| FY25 | 4/1/2025 | 4/15/2025 | 4/25/2025 | $1,500 | $28,500 |
| FY25 | 4/16/2025 | 4/30/2025 | 5/12/2025 | $1,500 | $30,000 |
| FY25 | 5/1/2025 | 5/15/2025 | 5/26/2025 | $1,500 | $31,500 |
| FY25 | 5/16/2025 | 5/31/2025 | 6/10/2025 | $1,500 | $33,000 |
| FY25 | 6/1/2025 | 6/15/2025 | 6/25/2025 | $1,500 | $34,500 |
| FY25 | 6/16/2025 | 6/30/2025 | 7/10/2025 | $1,500 | $36,000 |
*The first semi-monthly pay period is bolded.