Free tool
Your checking balance isn’t what you can spend: some of it already belongs to rent, subscriptions and savings. Take those out and see what’s really left, and what that means per day.
What’s available in the account you spend from.
Rent, subscriptions, card payments.
Goals and money you’re setting aside.
A cushion for surprises.
Safe to spend
$950.00
About $105.55 a day for 9 days
Pennyjay does this for you automatically: it finds your paydays and bills from your transactions and keeps the number current.
Pennyjay figures this for you from your accounts, finds your paydays and bills, and keeps the number current. See how
Safe to spend = spendable balance − bills due before your next payday − savings you planned − a buffer.
Divide by the days until payday and you have a daily number that’s much easier to keep than a monthly budget.
Pending charges, a bill that’s a little higher than usual, a gift you forgot. A small buffer, even $100, keeps a surprise from turning into an overdraft.
The available balance in the account you spend from, usually checking. Leave out savings you don’t intend to touch.
Anything that will leave your account before your next paycheck lands: rent, utilities, subscriptions, loan and credit card payments.
No. Everything runs in your browser.