Will we run short before payday?

Veja quando o dinheiro entra e sai.

The Payday planner and the Timeline show timing; safe to spend leaves it out. Timeline amounts are approximate.

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TIMELINE

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Tightest Nov 1, about $1,520.93 under your average

Shown through your next stretch of paydays, about as far as your income is scheduled.

Demo plan · sample numbers

What the Payday planner checks

The planner takes one payday at a time. It lists the bills due before the following payday and takes them from that pay. What remains shows as Left over, or as Short when the bills come to more.

In the demo plan, $3,200.00 of take-home pay arrives on the 1st. Rent, streaming, the gym, the phone and internet are all due before the 15th. After them, $1,809.01 is left over.

The card for the 15th starts from that $1,809.01, carried over, and adds $600.00 of freelance pay. With nothing due before the 1st, it ends at $2,409.01 left over.

PLAN · PAYDAY PLANNER

What should this payday cover?

Paid 1st

Take-home pay$3,200.00

Covers 1st–15th

Rent · 1st: −$1,200.00
Streaming · 5th: −$15.99
Gym · 8th: −$40.00
Phone · 10th: −$60.00
Internet · 12th: −$75.00
Left over: $1,809.01

What should this payday cover?

Paid 15th

Freelance$600.00

Covers 15th–1st next mo.

Carried over from last payday: +$1,809.01
Left over: $2,409.01

No bills due before your next payday.

Demo plan · sample numbers

Planning around paydays, step by step

Add income, bills and everyday budgetsYou can skip any step.
Check what each payday coversBills due before the next payday, then Left over or Short.
Set a balanceOptional. One total, or split by account. The Timeline starts from it.
Find the tightest pointThe Timeline shows the tightest point in the stretch.

What to know about cash flow here

Timeline amounts are approximate.
The Timeline covers your next stretch of paydays, not a year.
The Payday planner doesn’t assign a payday to budgets or goals.

Questions and answers

What about a bill due before payday?

Safe to spend leaves timing out. A bill before payday shows in Next up, the Timeline and the Payday planner.

How far ahead does the Timeline go?

Through your next stretch of paydays, about as far as your income is scheduled. It doesn’t show a year ahead.

Are the numbers exact?

No, they are approximate on purpose: 52 weeks don’t divide evenly into 12 months. The app shows whether income covers expenses, not a precise future balance.

You can start with a demo plan.

When the app is available to you, its first screen offers four ways in. One is a demo plan.

Try a demo plan · Restore encrypted backup · Join with an invite · Create a new space

In the app

These are sample numbers, kept separate from your real plan.