Plan your paycheck allocations
Enter the net amount you receive each payday. Monthly bills are multiplied by 12 and divided by the annual paycheck count; amounts entered per paycheck remain unchanged. The monthly income figure is an annual average, so a biweekly month may receive two or three deposits.
Use the standard schedule as a starting point and enter the actual count when your payroll calendar differs. This calculator does not match paydays to bill due dates. Check your calendar and keep an opening buffer when a large bill falls before the next deposit.
Compare bills, everyday spending, savings and debt with your take-home pay. A negative remainder means allocations exceed income. Sending a positive remainder to savings adds a planning row and does not transfer funds. Examples are editable and amounts stay in the selected currency.
CFPB budgeting and cash-flow tools
Frequently asked questions
How are monthly bills converted?
The calculator multiplies a monthly bill by 12 and divides by your annual paycheck count. This is an annual funding average; bill due dates can still require a starting cash buffer.
What if my year has 27 biweekly or 53 weekly paydays?
Choose a custom count and enter the actual number of paychecks. The standard options use 26 biweekly or 52 weekly checks, rather than calculating a dated payroll calendar.
What does sending the remainder to savings do?
It adds an editable savings line for a positive unassigned balance. It does not move money or make a bank transfer.