Free payday planning tool
Your bank balance can look healthy while much of it already has a purpose. Estimate what remains after upcoming bills, everyday essentials, planned saving and a buffer—using the cash you have now.
Use the calculator without signing up or linking a bank. It is a simple check you can use today, separate from D2W’s planned AI app.
Enter each amount once, in pounds. Use 0 where nothing needs to be reserved.
A label for this plan. The date does not add future income or calculate payment timing.
Your own cash in spending accounts. Exclude credit limits, unused overdrafts and money already in separate savings pots.
Payments still due before your next income, including card minimums. Include pending payments only if your available balance has not already deducted them.
Food, travel and other living costs for the same period. Do not repeat anything included in your bills.
Money you still plan to set aside before payday. Exclude savings already left out of the first amount.
The total amount of this cash you want to protect for surprises. Enter it once, separately from the costs above.
Your estimate
Add your current cash, upcoming commitments and protected buffer. Your estimate will appear here after you calculate.
This check uses today’s cash. Expected salary, benefits or other future income are not added.
Your figures stay in this page. This calculator does not send or save them; reloading clears them. Website analytics choices are separate.
Understand the number
For this tool, “safe to spend” means cash that has not been allocated to the costs and reserves you enter. It does not mean risk-free spending or a recommendation to spend the full amount.
Current cash − bills and required debt payments − everyday essentials − planned saving − protected buffer.
All costs cover the same period: from now until your next expected income. That future income is not added to your available cash.
A fictional example
Alex has £2,495 in spending accounts. Separate savings pots are already excluded. The plan reserves £1,200 for bills and debt payments, £450 for essentials, £200 for saving and £150 as a buffer.
The amounts reserved total £2,000.00. That leaves £495.00 unallocated.
No. This tool starts with your own available cash. An unused overdraft or credit-card limit is borrowing capacity, not cash you own. It does not model borrowing costs or an account that is already overdrawn.
Exclude money already set aside in separate pots from starting cash. Do not deduct it again as planned saving or a buffer. Similarly, a pending payment should be counted once: either in an adjusted available balance or in upcoming costs.
Choose a period you can sensibly plan for and include the costs due during it. If the next payment is uncertain or delayed, the estimate can become outdated. This calculator does not forecast income or check the order of transactions.
A negative result means the cash entered is less than the costs and reserves in this plan. It is a prompt to review the figures, not permission to skip essential bills. If essential costs or debt payments are becoming unaffordable, free debt support can help you consider your situation.
Where D2W is heading
Our planned app would bring your financial picture together, suggest useful changes and follow your progress. In V1, you would make every payment or provider change yourself.
Less guessing. A clearer way forward.
Join the free waiting list and hear when D2W opens. Take a look at the demo today and imagine what a clearer plan could change for you. No payment details or subscription commitment.