Paycheck budget calculator
Which bills each paycheck has to cover, and what is left from each one. For weekly, biweekly and twice-a-month pay.
$300.00
The lowest your balance gets before Oct 22 is $300.00. Spend more than that and a bill bounces.
Now until Oct 9
No bills due in this stretch.
Balance before next payday$300.00
Paycheck Fri, Oct 9+$1,480.00
- Car payment−$310.00
- Phone−$85.00
- Electric−$120.00
Left from this paycheck$965.00
Paycheck Fri, Oct 23+$1,480.00
- Streaming−$16.00
- Rent−$1,250.00
Left from this paycheck$214.00
Paycheck Fri, Nov 6+$1,480.00
- Car payment−$310.00
- Phone−$85.00
Left from this paycheck$1,085.00
Paycheck Fri, Nov 20+$1,480.00
- Electric−$120.00
- Streaming−$16.00
- Rent−$1,250.00
Left from this paycheck$94.00
Keep this plan up to date
Save it to a free account and it becomes a pay-cycle calendar: every payday, every bill and the balance each day, updated as you go.
Budget by paycheck, not by month
Monthly budgets assume the money arrives on the 1st. If you are paid every week or every two weeks, rent can be due three days before a paycheck lands, and a month that looked fine on paper still runs short. This calculator lines your bills up against your actual paydays instead.
How the numbers are worked out
Starting from the balance you enter, each day adds any paycheck and subtracts any bill due that day. Each paycheck covers the bills due before the next paycheck arrives; what is left from it is its leftover. Safe to spend is the lowest projected balance until the day before the payday after next, so money you spend now cannot leave a bill after your next paycheck uncovered.
These results are arithmetic on the numbers you enter, not financial advice. Lenders compound interest daily and may change minimum payments, so real statements will differ a little.
Questions
How do I budget when I get paid every two weeks?
Budget per paycheck, not per month. List each bill with its due date, then assign every bill to the paycheck that arrives before it is due. What is left from each paycheck after its bills is what you can spend until the next one. Twice a year a biweekly schedule has a third paycheck in one month, which has no monthly bills to cover yet.
What does "safe to spend" mean here?
It is the lowest your balance is projected to get before the payday after next. Spending up to that amount today still leaves every bill in that stretch covered. It counts your balance now, every paycheck and every bill you entered, and nothing else.
What if my payday falls on a weekend?
Most employers pay the Friday before. The calculator assumes that; in the saved plan you can switch it to the Monday after or to the exact date.
Is my information stored anywhere?
No. The calculator runs in your browser and nothing you type is sent to a server. If you save the plan to a free account, it is kept in your browser too, not on our servers.
More calculators
- Debt snowball vs avalanche calculator
Compare both payoff orders on your own debts: debt-free date, interest and the first win.
- When will I be debt free?
The month your last debt is paid off, and how much sooner an extra payment gets you there.