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Safe-to-spend calculator
How much can you spend each day until payday? Enter what you have, what is due and when you are paid. The sum runs in your browser, and nothing you type is stored or sent.
Safe to spend each day
Add the money you have now and your next payday to see your daily number.
This is what CentsCheck shows every morning.
In the app, the number starts from your monthly budget. Fixed bills and savings come out first, and the rest is spread over the days left. It changes as soon as you log a purchase. You log by hand or import a statement; there is no bank login.

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How the sum works
Take the money you have now. Take away the bills that will leave before you are paid and the savings you want to keep. Divide what is left by the days until payday, counting today but not payday itself. That is how much you can spend each day without coming up short.
What it leaves out
It assumes no other money comes in before payday, and that the bills you entered are the only ones due. If you are paid on a different day each time, use the earliest date you can count on.