Money tools

Payday & Bills Planner

See how your balance changes between paydays and recurring bills — without linking a bank account.

No bank connectionLocal plan storageInstant projection

Set up cash flow

Start dateCurrent balance

Next paydayTake-home pay

Pay frequencyPlanning horizon

Currency

NameDue dayAmount

Projection updates as you edit the plan.

Safe to spend before next payday

Lowest projected balance

Ending balance

Date	Event	Change	Balance

This version subtracts bills due before your next payday from the balance you have now. It is a planning aid, not financial advice.

Enter each bill by its normal day of the month. For shorter months, a day such as 31 is automatically moved to that month's last day.

The planner does not connect to your bank. If you choose Save, the plan is stored only in this browser's local storage.