Paycheck Forecast: Will Your Money Last Until Payday?

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Checking balance

Payday Cushion Below cushion Below $0

Upcoming, by paycheck

When a bill and a paycheck land on the same day, the bill is subtracted first, to be safe.

Checking account

Current balance

Balance as of

Cushion (min)

Everyday spending

per week

Use your bank's available balance. The cushion is the lowest balance you're comfortable with. Everyday spending is groceries, gas and eating out that you pay from checking by debit card or cash. Use 0 if those go on a credit card, since the card payment is already a bill.

Income

For twice-a-month pay, use 31 for the last day of the month.

One-time items

Irregular items: a car repair, a tax refund, a transfer from savings.

Each month, roughly

Bills

For credit cards, enter a typical payment, then set the real statement amount on the Forecast tab when it arrives. A due day of 29–31 moves to the last day of shorter months.