Payday Forecast

See how the days to payday look. Free, no email. About five minutes with your banking app, longer with lots of bills.

Nothing you type is stored or sent. It stays on this page, on your phone, and it's gone when you close or refresh it.

Step 1: the basics

After pending payments. Overdrawn? Type a minus, like -40, or tap Overdrawn.

Last week's card and cash spending (not bills), divided by 7.

A cushion for surprises. Type 0 for none.

Your arranged overdraft limit, like 500. Leave it blank if you don't have one.

Step 2: bills still to go out

Direct Debits, standing orders and subscriptions, with dates and amounts. Leave out anything already gone, or due on payday or after. Date passed but not gone (weekends, bank holidays)? Use today's date.

Step 3: money still to come in

Money you're sure of, with the date it lands: a refund, Universal Credit, Child Benefit, a second wage, or cash-in-hand pay, on the day you get it. Not your payday pay, or money already in your balance.

Your forecast

Days to payday
Lowest point
Lowest day
Spend up to a day

Day by day: the working

Each line is the end of a day: money in and bills out on their dates, and your everyday spending taken off every day.

Short? Things that can help
  • Move a bill date. Ask the company if it can move the payment to just after payday. Ask before it's due.
  • Pause a subscription. Pause or cancel one you can live without before it next renews.
  • Talk to the lender early. If a loan, card or bill payment won't be covered, contact them before the payment is missed, not after.
  • Priority bills first. If you can't pay everything, priority bills, such as rent or mortgage, council tax, gas and electricity, and your TV Licence, come first. MoneyHelper's Bill prioritiser explains which and why.
  • Thinking of borrowing to cover the gap? Talk to one of the free services below first.
How this works
  • It walks day by day from today to the day before payday. Your lowest point is your balance at the end of its lowest day; the lowest day is the first day it's that low.
  • Only paid weekly or fortnightly, and payday's just days away? Use the payday after, and count this payday's pay in step 3.
  • Two pays, like monthly and weekly jobs, or a wage and Universal Credit? Use the payday for the pay your rent or mortgage comes from, and put the other pay in step 3.
  • No fixed payday (self-employed, app or agency work)? Pick a date to look ahead to, like the day after your next big bill, or two weeks away, and in step 3 count only money you've already earned.
  • Some of your balance has to last past payday, like a student loan for the rent in the months ahead? Take that part off.
  • Balance: your banking app balance, after pending payments. Not "available to spend" if that includes an overdraft.
  • Buffer: a cushion for surprises. £50 to start; your call.
  • Near New Year, check the year on each date.

Free, confidential help