Cash apps
A $5 fee feels small. What happens when it repeats?
One fee is easy to overlook. See what a repeated pattern costs over a year.
Free money calculators.
Bring your numbers.
Plan until payday, test a bill-date change, compare borrowing costs or map your pay dates. No account or bank connection needed.
FREE CALCULATOR
Can I make it to payday?
Add your balance, bills and next payday. See your daily spending limit and when money could run short.
Budget until payday calculatorFREE CALCULATOR
What will this advance cost?
Add fees, tips and memberships to compare the total cost of a cash advance in Canadian dollars.
Cash advance cost calculatorFREE CALCULATOR
When is my next payday?
Map your weekly, biweekly or monthly paydays, match them to bills and download your calendar.
Paycheque calendarFREE CALCULATOR
Would a different bill date help?
Compare your daily balance before and after moving a bill. Get a checklist to discuss the change with your provider.
Bill due-date change plannerFREE CALCULATOR
What if this fee keeps repeating?
See 3-, 6- and 12-month advance costs, count membership once a month and check what repayments leave from your income.
Repeat-advance cost calculatorRead before you calculate
Budgeting
The bill is due before payday. Could the date move?
What to ask your provider, how to check the first bill and a message you can adapt.
Cash apps
“Up to $500” doesn’t mean $500 on day one.
Advertised, approved and available: three numbers that mean different things.
Cash apps
Short $100 before payday? Start here.
Check the deadline, the usable amount and what repayment leaves from your next pay.
Bank fees
NSF or overdraft? The difference matters.
Find out whether a payment went through and which charges the 2026 NSF rules cover.
Bank fees
Overdraft or a cash app? Run both numbers.
A side-by-side check of fees, interest, delivery and repayment—not just the headline rate.
Cash apps
Can’t make the repayment? Here’s where to start.
What to check, what to ask and how to plan around an upcoming withdrawal.
Budgeting
$500 left. Ten days to payday. What can you spend?
Set aside the bills, choose a buffer and see what is left for each day.
Cash apps
That “free” cash advance might still cost you.
Delivery, membership, tips: the charges a 0% headline can leave out.
Getting paid
Paid every two weeks? Some months have three paydays.
See the difference between 24, 26 and 27 paydays, and plan for the bills in between.