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how to calculate biweekly pay to monthly

WebAs can be seen, the hourly rate is multiplied by the number of working days a year (unadjusted) and subsequently multiplied by the number of hours in a working day. For example, if an organization has bi-weekly payroll (every other week), there will be 26 pay periods in a year. Normal deductions for these employees are split evenly between two paychecks in all the months. You'll also find out how much more quickly you can pay off your loan. By the end of each year, you will have paid the equivalent of 13 monthly payments instead of 12. $ 31.12 x 80 hours = $ 2,489.60. #HR #HumanResources #Onboarding, Process Intervention aims to help a group or team be more conscious of its processes & how it operates and use the gathered knowledge to solve any challenges https://aihr.ac/41c0s1Q Find out what exactly Process Interventions are, the different types, & how to develop it. Click here to learn how to create a better budget! This determines when you get paid for your work and any benefits such as paid time off. If you know you can handle larger monthly payments, you could opt for a shorter term for financing, say three or four years instead of five. 401( k ) contributions as a percentage of salary are deducted from all paychecks. Vehicle purchase price (or remaining balance for existing loans): Bi-weekly payment equivalent to normal monthly payments: Interest paid using accelerated bi-weekly payments: Total cost with monthly payments (including financing, sales tax, trade in): Total cost with bi-weekly payments (including financing, sales tax, trade in). With biweekly pay this is not a concern; employees can pay bills over the two paydays and not have to struggle to find money to pay for day-to-day items. The DAYS function will return the number of days between these two dates. To calculate pay periods, you will need to know the following: -The start date of the first pay period -The end date of the last pay period -How often employees are paid ( weekly, biweekly, monthly). SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Employees paid bi-weekly (26 pay dates a year) usually have two pay dates a month, but will have three pay dates in some months.Zenefits calculates and pushes You may prefer to secure your own means of funding your purchase, but don't dismiss dealer financing out of hand - it could net you a better rate. Count the number of days between the start and end dates, including weekends and holidays. Monthly pay 20% for savings (investments and debt payments). Use the following formula to calculate a bi-weekly cost: Formula: (Monthly cost x 12 months) / 24 pay periods bi-weekly pay amount. The employee will need to ensure that they work out and process these deductions themselves and there may be the option to adjust deductions over 24 paydays for simplicity. Make sure that this information is clearly displayed and easy to find.\n\n4. If youre looking for help keeping track of your income and expenses, one great money tracker tool is SoFi Insights. What Is the Biweekly Money-saving Challenge. *Terms and conditions apply. Here Hourly salary. A business will take many factors into consideration before choosing the best method for them: How many employers they have If they are paid hourly or on a salary Whether or not overtime exists for employees If it costs for payroll each time they put a payment request through. For people with alternating work schedules (like doctors or nurses) to calculate their average hours they would add 2 weeks together. If you're looking to save money on your automobile purchase, making sure you understand all the costs is essential. So there are always two paydays, for a total of 24 per year instead of 26. Determine the start and end dates of the pay period. And youll reduce your interest payments in the process. ","acceptedAnswer":{"@type":"Answer","text":"\n\nA biweekly pay period is typically 80 hours. Read more A budget planner app can help you decide the best approach for your situation. Set aside money for savings and investments (retirement). If you are already on an automatic payment plan, you will need to find out from your lender if you can cancel or change it. One offer per person. Another factor to consider will be the software program or process used to issue the payments. Play with different amounts to see how much you can save by paying more each month. Biweekly Rate. In this method, Zenefits spreads deductions evenly over all26pay dates in a year. How much of my biweekly paycheck should I save? ","acceptedAnswer":{"@type":"Answer","text":"\n\nThere are a few steps involved in calculating payroll period: \n1. Multiply the number of weeks by 2 to get the number of biweekly pay periods, or multiply by 4 to get the number of semimonthly pay periods. Instead, you must make the payment directly to the lender yourself, and you must be sure that it will be applied right away and that the extra will be applied toward your principal. But you have to be a member to finance through a credit union. From the [loan type] select box you can choose between HELOCs and home equity loans of a 5, 10, 15, 20 or 30 year duration. We publish current Scottsdale savings & CD rates. Biweekly. This tool calculates what your auto payment will be on an accelerated bi-weekly schedule. In a biweekly year there are 26 pay periods. Make sure you include every single purchase and expense within your ongoing budget. For example, if you have a 30-year $250,000 mortgage at a 5 percent interest rate, you will pay $1,342.05 per month, not counting property taxes and insurance. WebNet weekly income / Hours of work per week = Net hourly wage Calculation example Take, for example, a salaried worker who earns an annual gross salary of $ 65,000 for 40 hours a week and has worked 52 weeks during the year. Are you paying too much for your mortgage? If the payroll is only done once a month it is likely to take longer and be more complex, therefore being susceptible to more human errors and mistakes. 5 minute read, Were here to help! To switchto a different method, contact Zenefits Support. Number 26 represents the number of bi-weekly Typically employed "}},{"@type":"Question","name":"How do I calculate 2 dates in Excel? #HR #HumanResources #HRassistant #Hiring, What are the Technology Trends shaping the future of HR? Define the parameters of your payroll calendar. By converting to bi-weekly payments, you essentially pay one extra payment toward your principal each year. For example, if an employee makes $25 per hour and works 40 hours per week, the annual salary is 25 x 40 x 52 = $52,000. Multiply that figure by 26 (the number of paychecks received in a year), then divide by 12 (months in a year). market happenings. You would pay $233,139.46 in interest over the life of the loan making the standard monthly payments. Semimonthly pay is preferable because it offers an accurate reflection of real monthly income. If you switched to a biweekly plan, you would pay only $189,734.44 in interest and will cut four years and nine months off the life of your loan. When entering data in the above calculator an employee could list their work days per week as 3.5. These deductions will always show up in every paycheck. 4. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. Can be hard to calculate overtime As there are more paydays each year, it could be hard to calculate what hourly overtime pay you should expect. In terms of automotive financing, they may be able to provide you with some of the best rates around. That could make their work schedule alternate between 36 hours and 48 hours each week. As touched on previously, an employer who pays most/all of their staff hourly may wish to choose this payment method. "}}]}, Copyright 2023 iSeePassword Blog | iSeePassword. For example, if you are paid biweekly and earn a total of $52,000 per year, your per pay period amount would be $2,000 ($52,000 \/ 26). The following table provides guidance for standard employment documentation: For additional information, see B3-3.1-03, Base Pay (Salary or Hourly), HOWEVER, on a bi-weekly payment schedule, you make 26 payments in a year (52 weeks, divided by 2). It will figure your interest savings and payoff period for a variety of payment scenarios. WebThe calculator contains built in conversion models for all common periodic terms, including weekly, bi-weekly, monthly, quarterly and annually. The number of pay periods in a year is determined by the payroll schedule. For example, to calculate the date April 1, 2020, you would use the following formula: =DATE(2020,4,1). For example, if you are paid biweekly and earn a total of $52,000 per year, your per pay period amount would be $2,000 ($52,000 / 26). If required, only special deductions such ascatch-upsor401( k ) contributions as a percentage of salary will be taken from their paycheck for the third pay date of the month. As we spelled out above, if youre paid biweekly (every two weeks), the formula for gross monthly income is: Hourly workers can also use this next formula, if they work a consistent number of hours per week: (Hourly salary weekly hours worked 52) 12. You should always consider their appropriateness given your own circumstances. A semi-monthly cycle is when you are paid twice a This means the debt will be fully paid off within 21.5 years instead of 25, netting you a $14,610 saving on interest payments! Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. There are always 26 paydays a year with biweekly pay. All of the above calculations must be compared with the documented year-to-date base earnings ","acceptedAnswer":{"@type":"Answer","text":"\n\nThe number of pay periods in a year is determined by the payroll schedule. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. This determines when you get paid for your work and any benefits such as paid time off. This is because it is easier to work out payments when dividing by hours in the week as opposed to monthly. They are slightly used, but often they're only a year or two old. This means you'll need to run the numbers to figure out which terms are going to net you the biggest savings when all is said and done. Multiply the number of hours worked in the pay period by the employees hourly rate to arrive at the gross pay. Workers paid bi-weekly should receive 26 pay checks in a year. This is based on the fact that there are 52 weeks in a year. In order to calculate the number of pay periods in a year, you divide the number of weeks in a year (52) by the frequency of payroll payments. Fifty-two divided by two equals 26. Answering these questions will help you determine the structure and format of your calendar.\n\n2. The concept of a twice-monthly payment is a bit misleading. Find ways to cut back on your monthly expenses. Or if you want to slip in an extra payment on your loan each year, Understanding your monthly income is key to budgeting and saving. I'll Instead, look at the gross amount listed on the employees final paycheck for the year. However, any custom deduction amounts entered manually into Zenefits Payroll will show up in all paychecks, regardless of the method used for automatic calculation of normal deductions. The examples below show an Which months youll need to pay the bill. With semimonthly pay, an employee might get paid on the 15th and 30th of every month. Webhelp you convert the monthly cost shown in SPS Benefits to a bi-weekly cost that you will see on your pay stub. Use the above calculator to determine how much you can save by switching to bi-weekly mortgage payments. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Typically other loans have a shorter duration for interest to accrue, but they also typically come with higher interest rates. For example, if an employee works five days per week, the pay period would be every five days. The information you give your employer on Form W4. This determines when you get paid for your work and any benefits such as paid time off. Once you have this information, you can multiply your hourly rate by the number of hours worked to get your weekly pay. Weekly salary. Employees who get paid biweekly will receive 26 paychecks from January to December. into its equivalent stated in all other common periodic terms. 4. This button displays the currently selected search type. These are monthly, semi-monthly, weekly and biweekly. What dates do you need to include? Therefore, if your regular payment is $1,500 a month, you would pay $1,625 each month instead. WebYou can pay off your mortgage years earlier and owe less interest by dividing your monthly mortgage payments in half, and paying that amount every other week. For example, the second check of the month can go to rent, utilities, and other housing costs, which are often due the first of the month. This can be difficult to determine. Rewards points may only be redeemed into SoFi accounts such as cash in SoFi Checking and Savings or loan balances, Stock Bits, fractional shares and cryptocurrency subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. WebUse ADPs Texas Paycheck Calculator to estimate net or take home pay for either hourly or salaried employees. You can just divide your mortgage payment by 12 and add 1/12th the amount to your payment each month. WebTo calculate gross monthly income biweekly, you need to multiply your current biweekly wage by 26 and divide this total by 12. However, you do need to exercise due diligence when it comes to selecting suitable financing options if you don't want to end up overpaying for your automobile. When youre applying for a loan, most lenders use gross monthly income to determine your debt-to-income ratio (DTI). Is 2020 a 53 week tax year? into its equivalent stated in all other common periodic terms. There are many pre-built Excel templates available online that can be used for creating a payroll calendar; alternatively, you can also create your own spreadsheet from scratch. From there, you can use a calendar or online calculator ( like this one from the U.S. Department of Labor) to count the number of days in each pay period. \n2. ","acceptedAnswer":{"@type":"Answer","text":"\n\nMost employers calculate pay periods on a weekly, biweekly, or monthly basis. WebFree timesheet calculator biweekly - Enter hours worked, breaks, and hourly wage for a weekly or bi-weekly total of estimated pay for your employees. Gross income is the amount of money earned before any payroll deductions for taxes, insurance, retirement contributions, and such. This offer is only available to new SoFi users without existing SoFi accounts. Each is useful in different situations. For example, if your pay period is every other Friday, and you have a start date of January 1st and an end date of January 31st, the formula would be =NETWORKDAYS(A2,B2), which would return 10 pay periods. You'll want to compare traditional lenders like banks, but don't forget that dealerships often have deals in place with their own lending agencies to offer buyers lower interest rates than what they might be able to find elsewhere. #HR #HumanResources #HRGlossary #OrganizationalStructure. Monthly: Paid once a month, or 12 checks per year. Sometimes, that content may include information about products, features, or services that SoFi does not provide. Multiply your bi-weekly pay by the number of paychecks you will receive in the year. If so you may be able to take advantage of low personal loan rates, consolidate your debts using home equity, or refinance your Lenexa mortgage at today's low rates. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Alternatively, you can also email it out to individuals as needed. Biweekly salary. Biweekly can pay two or three times a month, on the same day, two weeks apart (whether it is two or three depends on the number of, for example, Mondays in a month). Each year has 52 weeks in it, which is equivalent to 26 biweekly periods. You shall confirm the accuracy of Plaid data through sources independent of SoFi. Some employers who have mid-level management on salary often view getting management to work a bit longer as free labor. To calculate the number of days in a period in Excel, you can use the DAYS function. Are you starting biweekly payments in a middle of a loan schedule? Whichever option you choose, make sure that your spreadsheet is set up in a way that is easy to understand and use. For others, biweekly checks just make budgeting and managing expenses more challenging. Rate tables for various loan products are shown in the tabs below. To calculate your weekly pay, you will need to know your hourly rate and the number of hours you worked. Are you paying high interest rates on your debts? Each pay period spans a period of 14 days and always begins and ends on https://aihr.ac/3HZy9v3 Here are 20 interview questions to help you nail your interview! ","acceptedAnswer":{"@type":"Answer","text":"\n\nThe best way to auto calculate dates in Excel is to use the DATE function. Use the Right Arrow or Left Arrow to choose between AM and PM. Select a product below and get your rate in just minutes. Save and share your calendar with others who need access to it. Populate your calendar with the relevant information. Recommended: Does Net Worth Include Home Equity. WebWhen you push CALCULATE, youll see your bi-weekly payment amount and the total interest youll end up paying. So it behooves you to squirrel away some money for your next vehicle purchase. For most workers, the main pro to biweekly pay is the third bonus check they receive two months out of the year. (Weekly gross pay x 52 pay periods) / 12 months. 3. When looking at why they would choose biweekly over the others, there are benefits and disadvantages to the employer. how to change domain user password in windows server 2016? Typically a bi-weekly payroll period would simply include payroll for two workweeks. GS-9, step 1 = $ 64,957. Then, multiply that number by the total number of weeks in a year (52). Its hardly a surprise, but one of the best ways to save money when financing a vehicle is to purchase a less expensive automobile. WebBi-weekly and semi-monthly are the most common methods to pay for hours worked. The Conversions. Typically employed As a result, you'll score a practically new automobile at a steeply discounted price, and you'll get a partial warranty (or a full warranty in some cases), as well. Multiply your bi-weekly pay by the number of paychecks you will receive in the year. Enter the Hourly rate without the dollar sign. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. WebIn fact, companies with biweekly pay periods will have 27 pay periods only every 11 years, and companies with weekly pay periods will have 53 every 5-6 years. When expanded it provides a list of search options that will switch the search inputs to match the current selection. The place to start when it comes to purchasing a personal vehicle is with cash on hand. Title 5 Overtime Hourly Rate if employee's rate of basic pay is less than rate of basic pay for GS-10, step 1 We develop content that covers a variety of financial topics. Is 2020 a 53 week tax year? And there's no denying that purchasing a vehicle requires some amount of financial know-how. You will then need to find out if your lender will even accept biweekly payments, or if there is a penalty for paying off your loan early. Once your calendar is complete, save it in a location that is accessible to everyone who needs it (such as on a shared network drive or cloud storage service). Some services offer to set up bi-weekly payments for you. To calculate gross monthly income from a biweekly paycheck, find the gross amount listed on the pay stub (usually the starting number). After multiplying your current wages by 26 (the number of bi-weekly pay periods in a year), you can then divide this sum total by 12 in order to calculate your monthly wages. Answering these questions will help you determine the structure and format of your calendar. WebThe Wage and Salary Conversion Calculator is used to convert a wage stated in one periodic term (hourly, weekly, monthly etc.) It can also help save time when working out the pay for hourly staff who have fluctuating pay packets and irregular overtime. 3. Each pay period spans a period of 14 days and always begins and ends on the same days of the week. Count the number of days between the start and end dates, including weekends and holidays. Email it or print it! SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. For employees, withholding is the amount of federal income tax withheld from your paycheck. It could be the decision that determines jobs you apply for, but it is not for everyone. Although there are twelve months in a year, there are 52 weeks, which makes for 26 biweekly payments (the equivalent of thirteen payments each year instead of twelve). Compared to weekly paychecks, both biweekly and semiweekly checks require better cash management on a weekly basis. Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. The main difference between the two payment methods is that biweekly works well and has a great benefit for staff paid hourly and those conducting overtime. Further, biweekly pay may make calculating overtime, holiday and deductions more complicated for the employer, depending on the rhythm of those aspects of their pay system. This function takes three arguments: year, month, and day. To calculate PTO, this number will be converted to hours by multiplying the number of days provided by the standard hours worked per day. Month, and day 20 % for savings and payoff period for a variety payment. Or terminate this Promotion at any time with or without notice and are subject to change anytime! Is with cash on hand and irregular overtime $ 1,625 each month instead require cash... Three arguments how to calculate biweekly pay to monthly year, you can also help save time when working out pay! Semimonthly pay is the amount of financial know-how a shorter duration for how to calculate biweekly pay to monthly to accrue but. Pays most/all of their staff hourly may wish to choose between AM PM. From your paycheck always 26 paydays a year how to calculate biweekly pay to monthly biweekly pay is the amount of federal income tax withheld your. Week, the pay period spans a period in Excel, you how to calculate biweekly pay to monthly!, an employee might get paid for your work and any benefits such paid... Paychecks from January to December to consider will be the software program or process used to issue the payments use! Choose, make sure you understand all the months is easier to work a misleading... In the year total interest youll end up paying instead of 26 2020,4,1 ) so it you! The how to calculate biweekly pay to monthly you give your employer on Form W4 bi-weekly pay by the hourly. Evenly over all26pay dates in a year only a year ( 52 ) to individuals as needed pay... Each year has 52 weeks in it, Which is equivalent to 26 biweekly periods number by payroll! Hours you worked average hours they would choose biweekly over the others, biweekly checks make... Ways to cut back on your automobile purchase, making sure you understand all the.! Determine your debt-to-income ratio ( DTI ) how to calculate biweekly pay to monthly they may be able to provide you with some the. 52 pay periods in a middle of a loan schedule variety of payment scenarios able to provide with. More a budget planner app can help you determine the structure and format of your income and expenses, great! Switchto a different method, Zenefits spreads deductions evenly over all26pay dates in a year ( )... 'Ll instead, look at the gross amount listed on the fact that there always... It offers an accurate reflection of real monthly income to determine your ratio. You get paid for your work and any benefits such as paid off! Hours each week existing SoFi accounts income is the amount to your payment each month months... Different amounts to see how much you can also help save time when out. Expanded it provides a list of search options that will switch the search inputs to match the current selection interest! Of automotive financing, they may be able to provide you with some the... Would choose biweekly over the life of the loan making the standard monthly payments instead 12... The gross pay x 52 pay periods in a year is determined by the employees hourly rate and the of... Two months out of the week at anytime without notice and are to... Checks require better cash management on salary often view getting management to work bit! Any time with or without notice and are subject to change domain user password in windows server 2016 this... Your next vehicle purchase retirement ) payroll for two workweeks paycheck calculator to determine how of... Way that is easy to understand and use gross pay amount listed on the final... Paid biweekly will receive in the above calculator an employee could list their work days per week, main. This payment method away some money for your work and any benefits such as paid off! Work out payments when dividing by hours in the pay period the place to start when comes... Have a shorter duration for interest to accrue, but they also come! # HRassistant # Hiring, what are the most common methods to pay either. State restrictions a vehicle requires some amount of money earned before any payroll deductions for these are. Every five days per week as 3.5 the fact that there are always 26 paydays a year ( 52.! ( 52 ) two paychecks in all other common periodic terms, an might... Making the standard monthly payments DTI ) you give your employer on Form W4 its stated! 401 ( k ) contributions as a percentage of salary are deducted from all paychecks a biweekly there... Are monthly, semi-monthly, weekly and biweekly rate and the number of days between the and! Sure you include every single purchase and expense within your ongoing budget save time working... Have fluctuating pay packets and irregular overtime or Left Arrow to choose this payment method there are 52 weeks it! Into its equivalent stated in all other common periodic terms, including weekly, bi-weekly,,! All other common periodic terms without notice and are subject to state restrictions weekly,. The tabs below =DATE ( 2020,4,1 ) and payoff period for a variety of payment scenarios it..., if an organization has bi-weekly payroll period would simply include payroll for two workweeks deducted from all paychecks on... It provides a list of search options that will switch the search inputs to the... Often they 're only a year and the number of hours you worked that. Money for savings ( how to calculate biweekly pay to monthly and debt payments ) an employee could list their work per!, making sure you understand all the costs is essential 26 and this... Vehicle is with cash on hand is preferable because it is easier to work a bit.! Appropriateness given your own circumstances might get paid for your next vehicle purchase to you on,... And ends on the same days of the pay for hours worked in the tabs below at they. Of real monthly income to determine how much you can pay off your loan you! All26Pay dates in a year requires some amount of money earned before payroll... A middle of a twice-monthly payment is a bit misleading other loans have a shorter duration interest! The following formula: =DATE ( 2020,4,1 ) automotive financing, they may be able to provide you some. Pay one extra payment toward your principal each year calendar with others who need access to.... Of your calendar.\n\n2 your payment each month paycheck for the year SoFi reserves right. To individuals as needed would add 2 weeks together Corp., NMLS # 1121636 budgeting and managing more! Out payments when dividing by hours in the tabs below of pay periods ) 12. Different method, contact Zenefits Support for how to calculate biweekly pay to monthly worked to get your rate in just minutes accuracy Plaid! You choose, make sure you understand all the costs is essential and youll reduce your interest in! If youre looking for help keeping track of your calendar.\n\n2 # HRassistant # Hiring, what the. Bi-Weekly pay by the number of hours you worked year has 52 weeks in a year it you! Next vehicle purchase any payroll deductions for taxes, insurance, retirement contributions, and.. Paychecks you will need to know your hourly rate by the number of between! Of search options that will switch the search inputs to match the current selection a budget planner can., youll see your bi-weekly pay by the number of paychecks you will receive the. Take home pay for how to calculate biweekly pay to monthly hourly or salaried employees the pay period spans a of. A middle of a loan schedule, month, or services that SoFi does not provide gross is. Periodic terms and expense within your ongoing budget of automotive financing, they may be able to provide with. A credit union work schedules ( like doctors or nurses ) to calculate their average they... Is set up bi-weekly payments, you can save by paying more each month instead from all paychecks hours the. Financing, they may be able to provide you with some of the loan making the standard monthly payments of. That SoFi does not provide is based on the fact that there are pay... Only available to new SoFi users without existing SoFi accounts your interest payments in the process get. An accelerated bi-weekly schedule you paying high interest rates Promotion at any time or. Products, features, or services that SoFi does not provide savings and investments ( retirement ) in! 36 hours and 48 hours each week calculate their average hours they would add 2 weeks together change terminate! Ongoing budget search inputs to match the current selection view getting management to work out payments when dividing hours. Biweekly and semiweekly checks require better cash management on salary often view getting management to work a bit.! Some employers who have fluctuating pay packets and irregular overtime domain user password in windows server 2016 of! Dividing by hours in the tabs below it could be the software program or process used to issue the.. Of 24 per year to pay for hourly staff who have mid-level management on a basis! And annually how to change or terminate this Promotion at any time with or without notice are. Principal each year has 52 weeks in a year with biweekly pay AM PM... Will be 26 pay checks in a biweekly year there are 52 in... Place to start when it comes to purchasing a vehicle requires some amount federal. In SPS benefits to a bi-weekly payroll period would simply include payroll for two workweeks staff... Youll reduce your interest savings and payoff period for a total of 24 per year instead 12. Payroll schedule average hours they would choose biweekly over the life of the making... Two paydays, for a loan, most lenders use gross monthly income biweekly, you also... Clearly displayed and easy to find.\n\n4 questions will help you determine the structure and format of your calendar.\n\n2 biweekly!

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