This is a demo, with made-up numbers.

A take-home paycheck of $2,150 every two weeks; rent of $1,450 and a car payment early in the month; and the bills that usually hurt: car insurance of $1,140 twice a year, renter's insurance, and the car's registration. There's $2,100 in checking, with a $200 cushion. Sign up free to plan your own.

Demo: a paycheck plan

On track

The same spending money every day, and every bill for the next 12 months paid on time.

Next paycheck

$2,150

Fri, Nov 13, in 7 days

To bills from it

$1,081

50% of it

Spending money

$64 a day

$891 from this paycheck, for 14 days

Safe to spend until payday

$446

plus $57 extra

Bills, next 12 months

$28,188

$2,349 a month on average

Where your next paycheck goes

Fri, Nov 13, $2,150

$1,081$891

Bills $1,081
Savings goals $132
Investing $46
Spending money $891

Your checking, right now

$2,100

$1,397$446

Set aside for bills $1,397
Cushion $200
Safe to spend $446
Extra $57

Spending money per day, pay period by pay period

After bills, savings, and investing. Gray is the old way: paying each bill from whichever paycheck comes before it.

With your plan, you have $64 a day to spend. Paying bills as they come due, it would swing from $5 to $128 a day.

Show as a table

Payday	Paycheck	Days	Bills before the next	A day: your plan	A day: bills as they come due
Fri, Nov 13	$2,150	14	$176	$64	$128
Fri, Nov 27	$2,150	14	$1,893	$64	$6
Fri, Dec 11	$2,150	14	$241	$64	$124
Fri, Dec 25	$2,150	14	$1,875	$64	$7
Fri, Jan 8, 2027	$2,150	14	$1,329	$64	$46
Fri, Jan 22, 2027	$2,150	14	$1,905	$64	$5
Fri, Feb 5, 2027	$2,150	14	$229	$64	$125
Fri, Feb 19, 2027	$2,150	14	$1,905	$64	$5
Fri, Mar 5, 2027	$2,150	14	$229	$64	$125
Fri, Mar 19, 2027	$2,150	14	$1,700	$64	$19
Fri, Apr 2, 2027	$2,150	14	$519	$64	$104
Fri, Apr 16, 2027	$2,150	14	$1,615	$64	$26
Fri, Apr 30, 2027	$2,150	14	$508	$64	$105

Tips for your plan

You have $57 more in checking than your plan needs. Put it toward a savings goal, pay down a debt, or keep it as a bigger cushion.
Ask to move Car payment's due date from the 3rd to the 13th of the month. Paying bills as they come due, what's left to spend would then swing by about $86 a day between paydays instead of $124. Your plan evens it out either way, but a better date means less money waiting in reserve.
Car insurance, $1,140, is due Tue, Jan 19, 2027. Your plan sets a little aside from every paycheck, so the money is there when it's due.
Your 2 subscriptions add up to $348 a year. Worth a look for any you no longer use.

Your checking balance, the next 12 months

Pay comes in, bills go out on the day they're paid, and spending money is spent evenly until the next payday.

Lowest: $407 on Thu, Aug 5, 2027, never below your cushion. It assumes you spend your spending money evenly from payday to payday.

Show as a table

Day	Balance	What happens
Mon, Nov 9	$1,827	Streaming −18
Thu, Nov 12	$1,571	Internet −65
Fri, Nov 13	$3,480	Payday +2,150
Sun, Nov 15	$3,341	Music −11
Wed, Nov 18	$3,055	Electricity −95
Sun, Nov 22	$2,731	Phone −70
Fri, Nov 27	$4,385	Payday +2,150
Sat, Nov 28	$2,871	Rent −1,450
Thu, Dec 3	$2,168	Car payment −385
Sat, Dec 5	$2,000	Gym −40
Wed, Dec 9	$1,728	Streaming −18
Fri, Dec 11	$3,573	Payday +2,150
Sat, Dec 12	$3,444	Internet −65
Tue, Dec 15	$3,242	Music −11
Fri, Dec 18	$2,956	Electricity −95
Tue, Dec 22	$2,632	Phone −70
Fri, Dec 25	$4,413	Payday +2,150
Tue, Dec 29	$2,708	Rent −1,450
Sun, Jan 3, 2027	$2,005	Car payment −385
Tue, Jan 5, 2027	$1,838	Gym −40
Fri, Jan 8, 2027	$3,619	Payday +2,150
Sat, Jan 9, 2027	$3,537	Streaming −18
Tue, Jan 12, 2027	$3,281	Internet −65
Fri, Jan 15, 2027	$3,079	Music −11
Sun, Jan 17, 2027	$1,812	Car insurance −1,140
Mon, Jan 18, 2027	$1,653	Electricity −95
Fri, Jan 22, 2027	$3,301	Payday +2,150 · Phone −70
Fri, Jan 29, 2027	$1,405	Rent −1,450
Wed, Feb 3, 2027	$702	Car payment −385
Fri, Feb 5, 2027	$2,507	Payday +2,150 · Gym −40
Tue, Feb 9, 2027	$2,234	Streaming −18
Fri, Feb 12, 2027	$1,978	Internet −65
Mon, Feb 15, 2027	$1,776	Music −11
Thu, Feb 18, 2027	$1,490	Electricity −95
Fri, Feb 19, 2027	$3,399	Payday +2,150
Mon, Feb 22, 2027	$3,138	Phone −70
Fri, Feb 26, 2027	$1,433	Rent −1,450
Wed, Mar 3, 2027	$730	Car payment −385
Fri, Mar 5, 2027	$2,535	Payday +2,150 · Gym −40
Tue, Mar 9, 2027	$2,262	Streaming −18
Fri, Mar 12, 2027	$2,006	Internet −65
Mon, Mar 15, 2027	$1,804	Music −11
Thu, Mar 18, 2027	$1,518	Electricity −95
Fri, Mar 19, 2027	$3,427	Payday +2,150
Mon, Mar 22, 2027	$3,166	Phone −70
Sat, Mar 27, 2027	$2,667	Renter's insurance −180
Mon, Mar 29, 2027	$1,090	Rent −1,450
Fri, Apr 2, 2027	$2,808	Payday +2,150
Sat, Apr 3, 2027	$2,359	Car payment −385
Mon, Apr 5, 2027	$2,192	Gym −40
Fri, Apr 9, 2027	$1,919	Streaming −18
Mon, Apr 12, 2027	$1,663	Internet −65
Thu, Apr 15, 2027	$1,461	Music −11
Fri, Apr 16, 2027	$3,370	Payday +2,150
Sun, Apr 18, 2027	$3,147	Electricity −95
Thu, Apr 22, 2027	$2,823	Phone −70
Wed, Apr 28, 2027	$991	Rent −1,450
Fri, Apr 30, 2027	$2,836	Payday +2,150
Mon, May 3, 2027	$2,260	Car payment −385
Wed, May 5, 2027	$2,092	Gym −40
Sun, May 9, 2027	$1,820	Streaming −18
Wed, May 12, 2027	$1,564	Internet −65
Fri, May 14, 2027	$3,409	Payday +2,150
Sat, May 15, 2027	$3,334	Music −11
Tue, May 18, 2027	$3,048	Electricity −95
Sat, May 22, 2027	$2,723	Phone −70
Fri, May 28, 2027	$4,314	Payday +2,150
Sat, May 29, 2027	$2,800	Rent −1,450
Thu, Jun 3, 2027	$2,097	Car payment −385
Sat, Jun 5, 2027	$1,929	Gym −40
Wed, Jun 9, 2027	$1,657	Streaming −18
Fri, Jun 11, 2027	$3,509	Payday +2,150
Sat, Jun 12, 2027	$3,380	Internet −65
Tue, Jun 15, 2027	$3,176	Music −11
Fri, Jun 18, 2027	$2,889	Electricity −95
Tue, Jun 22, 2027	$2,562	Phone −70
Fri, Jun 25, 2027	$4,400	Payday +2,150
Mon, Jun 28, 2027	$2,626	Car registration −120 · Rent −1,450
Sat, Jul 3, 2027	$1,900	Car payment −385
Mon, Jul 5, 2027	$1,724	Gym −40
Fri, Jul 9, 2027	$3,468	Payday +2,150 · Streaming −18
Mon, Jul 12, 2027	$3,199	Internet −65
Thu, Jul 15, 2027	$2,983	Music −11
Sat, Jul 17, 2027	$1,707	Car insurance −1,140
Sun, Jul 18, 2027	$1,544	Electricity −95
Thu, Jul 22, 2027	$1,201	Phone −70
Fri, Jul 23, 2027	$3,168	Payday +2,150
Thu, Jul 29, 2027	$1,309	Rent −1,450
Tue, Aug 3, 2027	$584	Car payment −385
Thu, Aug 5, 2027	$407	Gym −40
Fri, Aug 6, 2027	$2,374	Payday +2,150
Mon, Aug 9, 2027	$2,152	Streaming −18
Thu, Aug 12, 2027	$1,882	Internet −65
Sun, Aug 15, 2027	$1,667	Music −11
Wed, Aug 18, 2027	$1,367	Electricity −95
Fri, Aug 20, 2027	$3,266	Payday +2,150
Sun, Aug 22, 2027	$3,060	Phone −70
Sun, Aug 29, 2027	$1,133	Rent −1,450
Fri, Sep 3, 2027	$2,442	Payday +2,150 · Car payment −385
Sun, Sep 5, 2027	$2,266	Gym −40
Thu, Sep 9, 2027	$1,975	Streaming −18
Sun, Sep 12, 2027	$1,706	Internet −65
Wed, Sep 15, 2027	$1,490	Music −11
Fri, Sep 17, 2027	$3,389	Payday +2,150
Sat, Sep 18, 2027	$3,226	Electricity −95
Wed, Sep 22, 2027	$2,883	Phone −70
Tue, Sep 28, 2027	$1,025	Rent −1,450
Fri, Oct 1, 2027	$2,855	Payday +2,150
Sun, Oct 3, 2027	$2,334	Car payment −385
Tue, Oct 5, 2027	$2,158	Gym −40
Sat, Oct 9, 2027	$1,867	Streaming −18
Tue, Oct 12, 2027	$1,598	Internet −65
Fri, Oct 15, 2027	$3,417	Payday +2,150 · Music −11
Mon, Oct 18, 2027	$3,118	Electricity −95
Fri, Oct 22, 2027	$2,775	Phone −70
Fri, Oct 29, 2027	$2,883	Payday +2,150 · Rent −1,450
Wed, Nov 3, 2027	$2,157	Car payment −385
Fri, Nov 5, 2027	$1,981	Gym −40

Bills month by month

Months above the line are the ones that used to hurt. Your plan saves for them in the lighter months.

Show as a table

Month	Bills due
December 2026	$2,134
January 2027	$3,274
February 2027	$2,134
March 2027	$2,314
April 2027	$2,134
May 2027	$2,134
June 2027	$2,254
July 2027	$3,274
August 2027	$2,134
September 2027	$2,134
October 2027	$2,134
November 2027	$2,134

Paycheck by paycheck

"Set aside after bills" is what's left of your bill money once that period's bills are paid: it's waiting for the bigger ones ahead.

Before your next paydayfrom checking

📺 Streaming · automatic, Mon, Nov 9$18
📱 Internet · automatic, Thu, Nov 12$65

Fri, Nov 13$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$2,219

📺 Music · automatic, Sun, Nov 15$11
💡 Electricity · automatic, Wed, Nov 18$95 est.
📱 Phone · automatic, Sun, Nov 22$70

Fri, Nov 27$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,407

🏠 Rent · pay by Sat, Nov 28 (due Dec 1)$1,450
🚗 Car payment · automatic, Thu, Dec 3$385
🎫 Gym · automatic, Sat, Dec 5$40
📺 Streaming · automatic, Wed, Dec 9$18

Fri, Dec 11$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$2,247

📱 Internet · automatic, Sat, Dec 12$65
📺 Music · automatic, Tue, Dec 15$11
💡 Electricity · automatic, Fri, Dec 18$95 est.
📱 Phone · automatic, Tue, Dec 22$70

Fri, Dec 25$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,453

🏠 Rent · pay by Tue, Dec 29 (due Jan 1, 2027)$1,450
🚗 Car payment · automatic, Sun, Jan 3, 2027$385
🎫 Gym · automatic, Tue, Jan 5, 2027$40

Fri, Jan 8, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,205

📺 Streaming · automatic, Sat, Jan 9, 2027$18
📱 Internet · automatic, Tue, Jan 12, 2027$65
📺 Music · automatic, Fri, Jan 15, 2027$11
🛡️ Car insurance · pay by Sun, Jan 17, 2027 (due Jan 19, 2027)$1,140
💡 Electricity · automatic, Mon, Jan 18, 2027$95 est.

Fri, Jan 22, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$381

📱 Phone · automatic, Fri, Jan 22, 2027$70
🏠 Rent · pay by Fri, Jan 29, 2027 (due Feb 1, 2027)$1,450
🚗 Car payment · automatic, Wed, Feb 3, 2027$385

The rest of the year (20 more paychecks)

Fri, Feb 5, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,233

🎫 Gym · automatic, Fri, Feb 5, 2027$40
📺 Streaming · automatic, Tue, Feb 9, 2027$18
📱 Internet · automatic, Fri, Feb 12, 2027$65
📺 Music · automatic, Mon, Feb 15, 2027$11
💡 Electricity · automatic, Thu, Feb 18, 2027$95 est.

Fri, Feb 19, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$409

📱 Phone · automatic, Mon, Feb 22, 2027$70
🏠 Rent · pay by Fri, Feb 26, 2027 (due Mar 1, 2027)$1,450
🚗 Car payment · automatic, Wed, Mar 3, 2027$385

Fri, Mar 5, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,261

🎫 Gym · automatic, Fri, Mar 5, 2027$40
📺 Streaming · automatic, Tue, Mar 9, 2027$18
📱 Internet · automatic, Fri, Mar 12, 2027$65
📺 Music · automatic, Mon, Mar 15, 2027$11
💡 Electricity · automatic, Thu, Mar 18, 2027$95 est.

Fri, Mar 19, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$642

📱 Phone · automatic, Mon, Mar 22, 2027$70
🛡️ Renter's insurance · automatic, Sat, Mar 27, 2027$180
🏠 Rent · pay by Mon, Mar 29, 2027 (due Apr 1, 2027)$1,450

Fri, Apr 2, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,204

🚗 Car payment · automatic, Sat, Apr 3, 2027$385
🎫 Gym · automatic, Mon, Apr 5, 2027$40
📺 Streaming · automatic, Fri, Apr 9, 2027$18
📱 Internet · automatic, Mon, Apr 12, 2027$65
📺 Music · automatic, Thu, Apr 15, 2027$11

Fri, Apr 16, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$670

💡 Electricity · automatic, Sun, Apr 18, 2027$95 est.
📱 Phone · automatic, Thu, Apr 22, 2027$70
🏠 Rent · pay by Wed, Apr 28, 2027 (due May 1, 2027)$1,450

Fri, Apr 30, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,243

🚗 Car payment · automatic, Mon, May 3, 2027$385
🎫 Gym · automatic, Wed, May 5, 2027$40
📺 Streaming · automatic, Sun, May 9, 2027$18
📱 Internet · automatic, Wed, May 12, 2027$65

Fri, May 14, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$2,148

📺 Music · automatic, Sat, May 15, 2027$11
💡 Electricity · automatic, Tue, May 18, 2027$95 est.
📱 Phone · automatic, Sat, May 22, 2027$70

Fri, May 28, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$63

Into Retirement$46

Spending money$891 $64/day

Set aside after bills$1,336

🏠 Rent · pay by Sat, May 29, 2027 (due Jun 1, 2027)$1,450
🚗 Car payment · automatic, Thu, Jun 3, 2027$385
🎫 Gym · automatic, Sat, Jun 5, 2027$40
📺 Streaming · automatic, Wed, Jun 9, 2027$18

Fri, Jun 11, 2027$2,150

To bills$1,081

To Emergency fund$69

To Summer trip$55

Into Retirement$46

Spending money$899 $64/day

Set aside after bills$2,176

📱 Internet · automatic, Sat, Jun 12, 2027$65
📺 Music · automatic, Tue, Jun 15, 2027$11
💡 Electricity · automatic, Fri, Jun 18, 2027$95 est.
📱 Phone · automatic, Tue, Jun 22, 2027$70

Fri, Jun 25, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$1,262

🚗 Car registration · pay by Mon, Jun 28, 2027 (due Jun 30, 2027)$120
🏠 Rent · pay by Mon, Jun 28, 2027 (due Jul 1, 2027)$1,450
🚗 Car payment · automatic, Sat, Jul 3, 2027$385
🎫 Gym · automatic, Mon, Jul 5, 2027$40

Fri, Jul 9, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$944

📺 Streaming · automatic, Fri, Jul 9, 2027$18
📱 Internet · automatic, Mon, Jul 12, 2027$65
📺 Music · automatic, Thu, Jul 15, 2027$11
🛡️ Car insurance · pay by Sat, Jul 17, 2027 (due Jul 19, 2027)$1,140
💡 Electricity · automatic, Sun, Jul 18, 2027$95 est.
📱 Phone · automatic, Thu, Jul 22, 2027$70

Fri, Jul 23, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$150

🏠 Rent · pay by Thu, Jul 29, 2027 (due Aug 1, 2027)$1,450
🚗 Car payment · automatic, Tue, Aug 3, 2027$385
🎫 Gym · automatic, Thu, Aug 5, 2027$40

Fri, Aug 6, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$1,042

📺 Streaming · automatic, Mon, Aug 9, 2027$18
📱 Internet · automatic, Thu, Aug 12, 2027$65
📺 Music · automatic, Sun, Aug 15, 2027$11
💡 Electricity · automatic, Wed, Aug 18, 2027$95 est.

Fri, Aug 20, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$603

📱 Phone · automatic, Sun, Aug 22, 2027$70
🏠 Rent · pay by Sun, Aug 29, 2027 (due Sep 1, 2027)$1,450

Fri, Sep 3, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$1,165

🚗 Car payment · automatic, Fri, Sep 3, 2027$385
🎫 Gym · automatic, Sun, Sep 5, 2027$40
📺 Streaming · automatic, Thu, Sep 9, 2027$18
📱 Internet · automatic, Sun, Sep 12, 2027$65
📺 Music · automatic, Wed, Sep 15, 2027$11

Fri, Sep 17, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$631

💡 Electricity · automatic, Sat, Sep 18, 2027$95 est.
📱 Phone · automatic, Wed, Sep 22, 2027$70
🏠 Rent · pay by Tue, Sep 28, 2027 (due Oct 1, 2027)$1,450

Fri, Oct 1, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$1,204

🚗 Car payment · automatic, Sun, Oct 3, 2027$385
🎫 Gym · automatic, Tue, Oct 5, 2027$40
📺 Streaming · automatic, Sat, Oct 9, 2027$18
📱 Internet · automatic, Tue, Oct 12, 2027$65

Fri, Oct 15, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$2,109

📺 Music · automatic, Fri, Oct 15, 2027$11
💡 Electricity · automatic, Mon, Oct 18, 2027$95 est.
📱 Phone · automatic, Fri, Oct 22, 2027$70

Fri, Oct 29, 2027$2,150

To bills$1,081

To Emergency fund$69

Into Retirement$46

Spending money$954 $68/day

Set aside after bills$1,315

🏠 Rent · pay by Fri, Oct 29, 2027 (due Nov 1, 2027)$1,450
🚗 Car payment · automatic, Wed, Nov 3, 2027$385
🎫 Gym · automatic, Fri, Nov 5, 2027$40

Plan your own paychecks

It's free and secure, and your budget stays private.