Which paycheck actually pays which bill?
Free calculator. Enter your take-home pay and your bills, and see exactly what each of your next six paychecks has to cover — and which ones come up short. Nothing is sent anywhere; the maths runs in your browser.
Your paycheck
Your bills
Just the fixed ones with a due date — rent, car, utilities, subscriptions, minimum payments. Leave groceries and petrol out; those come from whatever is left over.
Your next six paychecks
Seeing red? That is the whole problem.
Almost nobody is short on the month. They are short on the 17th, because rent and the car payment happen to land on the same check. Averaging it out by hand is miserable, and it changes every time a due date moves.
The workbook this calculator came from does it properly: it plans every paycheck down to zero, holds back a slice for the big bills before they arrive, and rolls the leftovers into debt payoff and savings goals — with a dashboard that keeps score. Nine tabs, Excel or Google Sheets, yours forever.
Get the full workbook — $14Instant download · no subscription · see everything it does