Paycheck Planner
Line up your bills, everyday spending and savings against each payday, so you can see which paycheck covers what — and spot a tight week before it arrives.
Method and copy last reviewed · How our calculations work
Your plan
Everything stays in this browser tab. Nothing you type is sent to us or to analytics.
Sample data. These numbers are made up to show how the planner works — replace them with your own.
Your own figure; negative is allowed.
Income
Monthly bills
Due days 29–31 fall on the last day of shorter months.
Spending allowances
Counted from your start date: weekly and every-2-weeks amounts repeat from that day; monthly amounts land on the same day each month.
Moved aside on each payday, from each income.
A cushion you'd rather not dip below.
Off by default. When on, your plan is saved only in this browser's local storage — never on our servers. Unticking it or resetting deletes the saved copy.
Projected cashflow
Thu, Oct 1, 2026 to Thu, Dec 31, 2026. Estimates from the numbers you entered — not your bank balance.
Projected shortfall: your balance goes below $0 on Thu, Oct 1, 2026. Lowest point: -$750.00 on Thu, Oct 8, 2026.
- Opening balance
- $850.00
- Closing balance
- $4,054.03
- Lowest projected
- -$750.00
- Bills before first payday
- $1,200.00
- Unallocated after buffer
- -$950.00
- Saved over the plan
- $300.00
Thu, Oct 8, 2026
First payday Fri, Oct 9, 2026
Lowest projected balance minus your buffer
"Unallocated" is an estimate of money not yet assigned to anything listed here, taken at your lowest projected point so later bills are respected. It isn't a guarantee — anything you haven't listed isn't counted.
Payday by payday
| Period | Opening | Pay in | Bills | Spending | Savings | Closing |
|---|---|---|---|---|---|---|
| Before first paydaythrough Thu, Oct 8, 2026 · goes negative | $850.00 | $0.00 | $1,200.00 | $400.00 | $0.00 | -$750.00 |
| Payday Fri, Oct 9, 2026through Thu, Oct 22, 2026 · goes negative | -$750.00 | $1,650.00 | $195.00 | $240.00 | $50.00 | $415.00 |
| Payday Fri, Oct 23, 2026through Thu, Nov 5, 2026 | $415.00 | $1,650.00 | $1,216.99 | $400.00 | $50.00 | $398.01 |
| Payday Fri, Nov 6, 2026through Thu, Nov 19, 2026 | $398.01 | $1,650.00 | $55.00 | $240.00 | $50.00 | $1,703.01 |
| Payday Fri, Nov 20, 2026through Thu, Dec 3, 2026 | $1,703.01 | $1,650.00 | $1,356.99 | $400.00 | $50.00 | $1,546.02 |
| Payday Fri, Dec 4, 2026through Thu, Dec 17, 2026 | $1,546.02 | $1,650.00 | $55.00 | $240.00 | $50.00 | $2,851.02 |
| Payday Fri, Dec 18, 2026through Thu, Dec 31, 2026 | $2,851.02 | $1,650.00 | $156.99 | $240.00 | $50.00 | $4,054.03 |
Day-by-day ledger (41 entries)
| Date | Item | Amount | Balance |
|---|---|---|---|
| Thu, Oct 1, 2026 | BillRent | -$1,200.00 | -$350.00 |
| Thu, Oct 1, 2026 | SpendingGroceries | -$120.00 | -$470.00 |
| Thu, Oct 1, 2026 | SpendingTransport | -$160.00 | -$630.00 |
| Thu, Oct 8, 2026 | SpendingGroceries | -$120.00 | -$750.00 |
| Fri, Oct 9, 2026 | PayMain job | +$1,650.00 | $900.00 |
| Fri, Oct 9, 2026 | SavingsSavings from Main job | -$50.00 | $850.00 |
| Mon, Oct 12, 2026 | BillPhone | -$55.00 | $795.00 |
| Thu, Oct 15, 2026 | SpendingGroceries | -$120.00 | $675.00 |
| Tue, Oct 20, 2026 | BillCar insurance | -$140.00 | $535.00 |
| Thu, Oct 22, 2026 | SpendingGroceries | -$120.00 | $415.00 |
| Fri, Oct 23, 2026 | PayMain job | +$1,650.00 | $2,065.00 |
| Fri, Oct 23, 2026 | SavingsSavings from Main job | -$50.00 | $2,015.00 |
| Wed, Oct 28, 2026 | BillStreaming | -$16.99 | $1,998.01 |
| Thu, Oct 29, 2026 | SpendingGroceries | -$120.00 | $1,878.01 |
| Sun, Nov 1, 2026 | BillRent | -$1,200.00 | $678.01 |
| Sun, Nov 1, 2026 | SpendingTransport | -$160.00 | $518.01 |
| Thu, Nov 5, 2026 | SpendingGroceries | -$120.00 | $398.01 |
| Fri, Nov 6, 2026 | PayMain job | +$1,650.00 | $2,048.01 |
| Fri, Nov 6, 2026 | SavingsSavings from Main job | -$50.00 | $1,998.01 |
| Thu, Nov 12, 2026 | BillPhone | -$55.00 | $1,943.01 |
| Thu, Nov 12, 2026 | SpendingGroceries | -$120.00 | $1,823.01 |
| Thu, Nov 19, 2026 | SpendingGroceries | -$120.00 | $1,703.01 |
| Fri, Nov 20, 2026 | PayMain job | +$1,650.00 | $3,353.01 |
| Fri, Nov 20, 2026 | SavingsSavings from Main job | -$50.00 | $3,303.01 |
| Fri, Nov 20, 2026 | BillCar insurance | -$140.00 | $3,163.01 |
| Thu, Nov 26, 2026 | SpendingGroceries | -$120.00 | $3,043.01 |
| Sat, Nov 28, 2026 | BillStreaming | -$16.99 | $3,026.02 |
| Tue, Dec 1, 2026 | BillRent | -$1,200.00 | $1,826.02 |
| Tue, Dec 1, 2026 | SpendingTransport | -$160.00 | $1,666.02 |
| Thu, Dec 3, 2026 | SpendingGroceries | -$120.00 | $1,546.02 |
| Fri, Dec 4, 2026 | PayMain job | +$1,650.00 | $3,196.02 |
| Fri, Dec 4, 2026 | SavingsSavings from Main job | -$50.00 | $3,146.02 |
| Thu, Dec 10, 2026 | SpendingGroceries | -$120.00 | $3,026.02 |
| Sat, Dec 12, 2026 | BillPhone | -$55.00 | $2,971.02 |
| Thu, Dec 17, 2026 | SpendingGroceries | -$120.00 | $2,851.02 |
| Fri, Dec 18, 2026 | PayMain job | +$1,650.00 | $4,501.02 |
| Fri, Dec 18, 2026 | SavingsSavings from Main job | -$50.00 | $4,451.02 |
| Sun, Dec 20, 2026 | BillCar insurance | -$140.00 | $4,311.02 |
| Thu, Dec 24, 2026 | SpendingGroceries | -$120.00 | $4,191.02 |
| Mon, Dec 28, 2026 | BillStreaming | -$16.99 | $4,174.03 |
| Thu, Dec 31, 2026 | SpendingGroceries | -$120.00 | $4,054.03 |
How the planner works
The plan runs from your start date up to, but not including, the same date one to six months later. Each bill appears once per month on its due day; days 29–31 move to the last day of shorter months. All math is done in whole cents.
On a day with several items, pay is counted first, then savings, then bills, then spending. Weekly and every-2-weeks spending repeats from your start date; monthly spending lands on that same day each month.
Dates are used exactly as entered. The planner does not move pay or bills for weekends or bank holidays — in real life a payday on a Saturday or holiday often arrives a day or two earlier, and bills may post later, so check any tight days against your own bank's rules. Twice-monthly days 30 and 31 both fall on the last day of February, so both paychecks are counted that day.
Results are estimates from your own numbers — not a bank balance and not a promise that any amount is safe to spend.
Frequently asked questions
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FetchCalc is an independent calculator and educational service. We are not a lender, broker, or financial adviser, and nothing here is financial advice. Estimates are for planning only; your actual offer and payment will come from your lender.