Safe-to-Spend Calculator
How much can you spend per day until your next payment lands? Subtract upcoming bills and a cushion from your balance to find out.
Checking balance you can actually spend, not savings or tax money.
Rent, subscriptions, card payments, insurance and so on.
Optional. Extra safety margin in case a payment is late.
Count from today. Be pessimistic: clients pay late.
How it works
Safe-to-spend = money available − bills due before next income − cushion. Divided by the number of days until your next payment, that gives a daily allowance for groceries, fuel and everything else.
Frequently asked questions
Which payment date should I use?
Use the date you are confident the money will arrive, not the invoice due date. If clients regularly pay late, add a week.
Should I include savings in my balance?
No. Only include money you would be comfortable spending. Tax money and buffer savings should stay out.
What if the result is negative?
You are short on paper. Options: delay a bill, chase an outstanding invoice, pull from your buffer or cut spending until the next payment.