Know what’s coming before payday.

See what your checking balance has to cover next.

Put today’s balance, paydays, and bills in date order. See the projected low point before you decide what checking can cover.

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No account, bank connection, or upload. Your plan stays in this browser.

Fictional forecast–21
Reviewed example
Projected low point$1,950

· after Mortgage

Above $1,000 buffer$950
  1. Start
    Balance confirmed$4,850
  2. Bill
    Mortgage −$2,900$1,950 Low
  3. Income
    Paycheck +$3,400$5,350
  4. Bills
    Daycare + card −$1,470$3,880
Example amounts only. Your result depends on the dates, spending, and bills you enter.

A real sequence, not a monthly average

One bill date changes the answer.

Follow every dated change. The lowest closing balance—not the biggest deposit—is the number that shows what checking needs to cover.

  1. Balance confirmedStarting point
    $4,850Balance$4,850
  2. MortgageExpense · projected low
    −$2,900Low point$1,950
  3. PaycheckExpected deposit
    +$3,400Balance$5,350
  4. DaycareExpense after payday
    −$850Balance$4,500
  5. Credit cardExpense after payday
    −$620Balance$3,880

Three steps

Here’s how it works.

Turn the activity you already know about into one dated forecast.

  1. 01

    Enter your current checking balance.

    Start with what has posted today.

  2. 02

    Add income, paydays, and upcoming bills.

    Give each known amount its expected date.

  3. 03

    Review the projected low point.

    Check what remains above your preferred buffer.

What the estimate means

“Amount above buffer” is modeled from what you enter. Missing transactions, holds, fees, changed dates, and bank posting order can change the outcome.

Read the methodology

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Your dates. Your forecast.

See your next low point.

Start with today’s checking balance. No account or bank connection.

Start your forecast