Paycheck Cash-Flow Calendar
Map paydays against bills and find the exact point in the month when your balance could run short.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Map income and bills
Cash-flow view
No shortfall found
Lowest balance
$500
Projected on day 1.
Ending balance
$2,550
| Day | Item | Change | Balance |
|---|---|---|---|
| 1 | Paycheck | +$2,600 | $3,100 |
| 2 | Rent | −$1,700 | $1,400 |
| 8 | Utilities | −$260 | $1,140 |
| 15 | Paycheck | +$2,600 | $3,740 |
| 18 | Car + insurance | −$740 | $3,000 |
| 24 | Cards | −$450 | $2,550 |
About this tool
Method, assumptions, practical next steps, and limits.
A monthly surplus can still produce an overdraft
Budgets total the month; bank accounts live one day at a time. A plan can finish positive and still fall below zero before the next paycheck arrives. This tool sorts recurring inflows and bills into a running balance.
How to read the result
The lowest projected balance is the cash buffer the schedule requires. A negative ending balance is an income-versus-expense problem. A positive ending balance with a negative mid-month balance is usually a timing problem.
Boundaries
This is a planning calendar, not a bank ledger. Variable card spending, weekends, processing delays and one-time transactions can move the real posting date.
