Your budget says what your plan allows this month. Until payday answers a different question: what do you actually have until you're paid again?
It's on the Overview tab of Budgets, for the current month, once you have a budget. It's included with every plan.
How it's worked out
Open How it's worked out on the card to see every line:
Line | What it is |
|---|---|
In your everyday accounts | The cash in your everyday accounts today. |
Pending, not in your bank's balance yet | Money going out that your bank hasn't taken off its balance yet. |
Bills due before payday | Recurring charges due between today and your next pay. A bill expected in the last week that hasn't shown up yet still counts. |
Card payments due | Credit card payments due before payday, from the card statements you've uploaded. |
Goal money | This pay's share of what your goals set aside, still to move, and goal money kept with your everyday money. |
Safe to spend | What's left, with about how much that is per day until payday. |
If more is due before payday than your accounts hold, the card says Short before payday and by how much.
Days until your next pay
10 days
In your everyday accounts
$2,400
Pending, not in your bank's balance yet
− $100
Bills due before payday
− $650
Card payments due
− $300
Goal money
− $150
Safe to spend
$2,400 less $100, $650, $300 and $150
$1,200
Spread over the days
$1,200 over 10 days
About $120 a day
Example numbers only. Your card lists each bill, card payment and goal by name.
It leans the safe way
- A late bill counts as still to pay.
- A bill counts in full, even if you split it with someone, because the whole amount leaves your account.
- An account whose balance is more than a week old isn't counted, unless you chose it yourself.
- An account that holds a savings goal is that goal's money, never everyday cash.
Choose your pay and accounts
We work out both for you. Your pay is your biggest regular income that comes weekly, every 2 weeks, twice a month or monthly. Your everyday accounts are your personal chequing accounts with a recent balance.
Open the settings
On the Until payday card, choose the settings button in the corner.
Pick your pay
Under Your pay, keep Worked out for you, or tick the pay to plan around. If you're paid from more than one place, you can tick more than one.
Pick your everyday accounts
Under Everyday accounts, keep Worked out for you, or choose I'll choose and tick the accounts your pay goes into and your bills come out of.
Save
Choose Save. Safe to spend is worked out again right away.
No regular pay found yet? Choose Mark my paycheque on the card (or Pay not listed? Mark your paycheque in the settings), find a pay deposit, and say how often it comes. See add a recurring charge.
Credit cards and goals kept elsewhere
Spending on a credit card comes out of your cash when you pay the card, so recurring charges that go on a card aren't taken off here. A card payment is taken off only when an uploaded card statement says when it's due. See statement balances.
Money for goals kept somewhere else isn't held back, because we can't see when it moves. The figure drops once that money leaves your account.
Check your own number
Open Budgets, stay on the Overview tab and find the Until payday card.