A clearer plan until payday

How much can I spend until payday?

Subtract unpaid bills, remaining essentials and a buffer from the money available today. Divide what is left by the days until your next income is available.

Your plan, in a few numbers

What if income is available later?

This is a hypothetical comparison, not an arrival forecast. Use a later confirmed date when available; otherwise choose a planning horizon. Today’s cash and buffer stay unchanged. An unpaid invoice is not cash.

Per day

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Enter your totals to see what is left. No account or bank connection needed.

The daily allowance is rounded down. Amounts stay in this page's memory. Use Clear or reload to remove them.

How the calculation works

Available today − upcoming bills − remaining essentials − buffer = money left for optional spending

Example: $850.00 − $320.00 in bills − $180.00 for essentials − $100.00 buffer = $250.00. With 10 days until payday, that is $25.00 a day. These are illustrative amounts.

Include each commitment once. Exclude credit limits, investments you have not sold and income that has not arrived. Do not subtract bills already reflected in today's balance. This is a cash-flow estimate; it cannot guarantee that spending is safe.

The day count includes today and excludes the day your next income becomes usable. If you need to cover spending on payday before the money arrives, select the following day. For an uncertain payday, try a later-date scenario and include the additional costs.

Work through your situation

How to budget when you get paid on the 28th

Build a payday-to-payday budget when your salary arrives on the 28th. Reserve next month's rent and handle short months without counting income twice.

Budgeting when your payday is irregular

Plan spending when freelance invoices or variable shifts make your payday uncertain. Compare a likely payment date with a later-date scenario.

Build a budget from a bank CSV with Deco

Use CSV or XLSX statement imports in Deco to review spending and recurring payments. Check transfers, card payments and dates before planning to payday.

Keep your budget in Deco

Review your spending and recurring costs with CSV or XLSX imports in the iPhone app.

Get Deco for iPhoneAccounts & imports

About this tool

Built by Deco. You enter the totals; the calculation runs in your browser. This tool does not upload a statement, connect to your bank or save the amounts.

How much can I spend until payday? · Deco