Budget until payday calculator
Add your balance, bills and next payday. See your daily spending limit and when money could run short.
How your plan is calculated
Each day starts with the previous balance. Bills and daily essentials are deducted before that day’s income, a conservative assumption when transfer times are unknown. Daily essentials run up to, but not including, payday; dated bills on payday are still counted.
Your daily allowance divides funds after scheduled bills and the chosen buffer across the days before payday. Income arriving on payday is excluded from this allowance. It is an average, not a guarantee: the timeline can still reveal an earlier gap. The buffer is a target, not another bill.
A simple example
With $500 available, a $100 bill, a $50 buffer and 10 days until payday, the average allowance is $35 per day. At $20 daily spending, the projected balance before any payday income is $200. Timing can still matter.