Payday Budget Calculator
Find out exactly how much you can safely spend before your next payday.
My money
What you can actually spend today, not counting overdraft. Can be negative.
The day your next pay arrives.
Subscriptions, treats, takeaways you plan to keep. Total until payday.
Money you want left untouched, just in case.
Your numbers stay on your device. Nothing is saved or sent anywhere.
Upcoming bills and payments
Bills due before payday are counted automatically. You can tick or untick any bill yourself.
Essential living costs
Add as many as you need. Each can be a total until payday, a weekly cost or a daily cost.
Quick add:
What if...?
Fill in My money first, then come back to try scenarios.
Try a quick scenario or set your own. Your real numbers never change.
How it works
- Enter your balance, your next payday and any extra income.
- Add the bills due before payday and your essential living costs.
- See your safe-to-spend amount, daily and weekly limits, and test what-ifs.
Questions
How much can I spend before payday?
Add your balance and extra income, then take away bills, essentials, planned spending and a buffer. What is left is the amount you can spend before payday. This calculator does that sum for you.
How do I calculate money left until payday?
Enter your balance and payday date. The tool counts the days left and works out the money left after the costs you have entered, including a daily limit.
Is this a budget calculator for the rest of the month?
Yes. Set your payday to the end of the month and it works as a budget calculator for the rest of the month, with a daily and weekly allowance.
Is my data stored?
No. Everything stays in your browser memory and disappears when you close or refresh the page.