What can I spend before payday?
Start with cash available now. Allow for bills, required repayments, everyday essentials and a buffer before deciding what is left.
Understand your available moneyPractical help, available now
Free money planning tools and guides.
Start with one question about your money. Use a clear explanation, try the numbers and choose a next step that fits your circumstances.
No D2W account or bank connection is needed. These UK-focused resources are available independently of the app we are building.
Your practical money library
Read the guide. Use the tool. Keep the plan.
Explore 20 money guides and eight planning kits, each with a working tool, printable PDF and editable Excel workbook. Open a worksheet in your browser or download a copy to keep.
Free interactive tool
Money left before payday: see the calculation.
Your balance is a starting point. The Safe-to-Spend calculator subtracts the costs and reserves you enter, then explains the remainder or shortfall. It uses your current cash; expected income is not counted before it arrives.
An estimate using your inputs, not a bank forecast or a recommendation to spend.
Use the free payday calculatorChoose your starting question
Make the next step easier to understand.
How do I prepare for an annual bill?
Work backwards from a known cost and its due date. Separate money already saved from the gap still to fund, then check what fits each payday.
Make a sinking fund planWhere do I start if every payday feels tight?
Focus on the next period, keep essential payments in view and recognise when the shortfall calls for support rather than another spending target.
Find a manageable first stepA repeatable routine
Read. Check. Revisit.
- Read the relevant guide. Notice the assumptions in its fictional example.
- Check your own records. Use current statements, bills and payment dates. Count each commitment once.
- Revisit when life changes. A new cost or delayed income can change the picture. Keep the plan current.