Free guide
Make this pay last until the next one
Split the pay into bills, savings, and spending before it mixes together.
Step 1
Write the amount that actually lands
Use take-home pay, not the salary in the contract. If you are paid weekly or fortnightly, use one pay, not the month.
Step 2
Subtract the bills due before the next pay
Only the bills in this gap. A yearly bill does not belong in this sum unless a payment is due now.
Step 3
Move savings out the same day
Even a small amount, on payday, before spending. What stays in the spending account is what you can use.
Step 4
Look at the days, not just the total
A pay can cover the month and still run out on the Wednesday before a rent debit. That is what the forecast is for.
The tool that keeps this going
Why ROOPON
Payday Allocator splits the pay on payday. Cash Flow Forecast shows the days you would go red before they arrive. Budget 50/30/20 is the split if you want a simple rule for needs, wants, and savings.
The lowest cost plan that includes every tool on this page is Ultimate at $99.99/month. Memberships also include partner discount codes. You can pay monthly or yearly, and you can cancel anytime.
See the plansThis guide is general information only. It is not financial advice. A calculator result is not a quote from a bank, insurer, or retailer.
