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What this calculator does
This calculator splits your current balance across the days until your next paycheck. It gives you a daily allowance to avoid overdrafting before payday.
The math
Days until payday = next payday date − today. Daily allowance = checking balance ÷ days until payday.
Worked example
With $180 in checking and 14 days until payday, you can spend about $12.86 per day and still reach payday with a zero balance.
Why this matters
When money is tight, the right arithmetic can protect your housing, food, and transportation. This tool gives you a fast triage number so you can make the least-damaging choice.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
What if today is payday?
The calculator shows zero days and a $0 daily allowance. Enter your next payday date for a useful result.
Should I include pending bills?
Subtract any bills due before payday from your balance first, then enter the remaining amount.
How do I avoid overdraft?
Use the daily allowance as a spending cap. If you spend less, you build a cushion; if you spend more, you risk overdrafting.