Skip to content
Pennykite
Sign inCreate account

Know what is safe to spend before your next paycheck.

For pay that arrives weekly, every two weeks or whenever it does. Type in what you have and what is due, and see what is left until payday.

Worked out in your browser. Nothing you type here is sent anywhere.

Your next paycheckEdit any number

How often you are paid
$
$
Bills due before payday
$
$
Safe to spend until Friday

$435.00

4 days until payday, about $109 a day.
In your account now
$640.00
Phone, due tomorrow
−$85.00
Electric, due Thu, Nov 12
−$120.00
Left until payday
$435.00
Paycheck on Fri, Nov 13
+$1,480.00
See every paycheckCreate a free account

Every day ahead gets a balance

Each bill sits before the paycheck that pays it, with what every day ends on.

Paydays first. Weekly, every two weeks, twice a month or one-off pay.

The tight day, early. The lowest balance ahead shows up before you reach it.

  1. Fri, Nov 13
    • Paycheck+$1,480.00
    $1,782
  2. Sat 14
      $1,782
    • Sun 15
        $1,782
      • Mon 16
          $1,782
        • Tue 17
            $1,782
          • Wed 18
            • Phone−$85.00
            $1,697
          • Thu 19
              $1,697
            • Fri 20
                $1,697
              • Sat 21
                  $1,697
                • Sun 22
                  • Electric−$120.00
                  $1,577
                • Mon 23
                    $1,577
                  • Tue 24
                      $1,577
                    • Wed 25
                        $1,577
                      • Thu 26
                        • Streaming−$15.99
                        Lowest day$1,561
                      Example plan, paid $1,480 every two weeks. Each day shows what it ends with; the lowest is Thu, Nov 26, after Streaming, at $1,561.

                      A debt-free date that moves when you pay

                      Debt-free in

                      August 2028

                      $510 a month, highest rate first. $1,632 in interest.

                      • Store card $900 at 29.9%May 2027
                      • Car loan $3,200 at 6.9%Jun 2028
                      • Visa card $4,800 at 24.99%Aug 2028
                      Example debts. Paying only the minimums would take until August 2031 and cost $4,167 in interest.
                      Pick avalanche, snowball or your own order. Each payment lands on the calendar on its due day.

                      Minimums roll forward. When a debt is paid off, its payment goes to the next one.

                      Monthly check-ins. Enter the balances from your statements and see the date move.

                      Compare snowball and avalanche on your own debts

                      Your numbers stay in this browser. Our server only knows who you are and what you pay us.

                      Stored in this browser

                      • Your balance and the day you read it
                      • Paychecks, bills and one-time items
                      • Debts, the payoff plan and monthly check-ins
                      • Statement files you import (read on your device)

                      Kept on our server

                      • Your name, email address and how you sign in
                      • Your subscription: Free or Plus
                      • Whether and when to send the weekly email, which contains no amounts

                      No bank login. You type in your balance. Nothing connects to your bank or reads your accounts for us.

                      Statements read on your device. An imported statement file is read in this browser and never uploaded.

                      Email without amounts. The weekly email says when to check in, never what you have.

                      Encrypted sync, if you want it. A synced plan is encrypted in your browser with a key only you can unlock.

                      The trade-off: without sync, a plan lives on one device until you move it with a backup file. How the privacy works

                      Five minutes to set up. Two minutes a week after that.

                      Add your paydays and bills, or start from a calculator or a statement file. Once a week, type in your balance and tick off what cleared; safe to spend and your debt-free date move with it.

                      To set up a plan
                      5 min
                      A week to check in
                      2 min
                      For the free plan
                      $0

                      What the planner does. Every tool works from the same plan.

                      Debt payoff planner. Avalanche, snowball or your own order, with a debt-free date, total interest and a month-by-month schedule. Learn more

                      Pay-cycle calendar. Every payday, bill and debt payment on one calendar, with the balance you'll end each day with. Learn more

                      Private by design. Your plan is stored only in your browser. Our servers hold your account and subscription, never your numbers. Learn more

                      Safe to spend before payday. One number for what you can spend now without coming up short before the paycheck after next, with the math shown. Learn more

                      Statement import. Import a CSV or PDF bank statement on your device. The planner suggests your paydays and bills. Part of Plus. Learn more

                      Free to start. Plus when the plan is worth keeping.

                      Plus adds the full year ahead, statement import, debt check-ins and the weekly email.

                      Free
                      $0
                      A pay-cycle calendar and safe-to-spend number for one paycheck.
                      Create a free account
                      • Pay-cycle calendar, 5 weeks ahead
                      • Safe to spend until payday
                      • Up to 8 bills and 2 debts
                      • Snowball and avalanche payoff plans
                      • Your data stays in your browser
                      • Encrypted sync across devices, if you want it
                      PlusRecommended
                      $55 / year
                      The living plan: every bill and debt, a year ahead, kept up to date.
                      Start free, upgrade to Plus
                      • Unlimited paychecks, bills and debts
                      • 12-month calendar and balance forecast
                      • CSV and PDF statement import, read on your device
                      • Paydays and bills found for you
                      • Monthly debt check-ins with progress tracking
                      • Weekly check-in email

                      Questions

                      Short answers about privacy, pricing and how the math works.

                      Can't find your answer? Ask us through the contact page.

                      Using the planner

                      Billing

                      Privacy

                      Can't find your answer? Ask us through the contact page.

                      Start with this paycheck

                      Try the calculator with your own numbers, then save it as a plan that updates when you check in. Free, and no bank login.

                      Open the paycheck calculatorCreate a free account