Ordinary groceries beside a wallet and an unmarked travel card.

Daily room

Available now

Exclude amounts you cannot access or use for general costs. A credit limit is not income.

Daily allocation

Bill money

Ring-fence bills within the period before dividing the remainder. Check that the same allocation is not also in the reserve.

Daily allocation

Chosen reserve

Enter an explicit amount for the period. The tool does not choose a suitable reserve on your behalf.

Daily allocation

Days left

Use the days you are actually planning for. Include the current day only if its spending is part of the amount entered.

Daily allocation

Small remainder

Daily amounts are rounded down to whole cents. The undistributed remainder stays visible rather than disappearing.

Daily allocation

Shortfall

A negative remainder is shown as a shortfall, not a negative daily spending amount or a promise that a plan will work.

Daily allocation
Private figuresLinked sourcesYour pace

One balance, three jobs

BillsAlready committedReserveKept untouchedDaily costsThe remainder

Keep each amount in one place. Counting the same reserve twice would shrink the remainder unfairly.

Daily allocation

Choose a number of days, then separate bill allocations and a reserve from the money available now. A result is only as complete as those commitments.

Editable examples
Your figures stay on this pageMoneyHelper · UK · Budget planning

Look again

Exclude amounts you cannot access or use for general costs. A credit limit is not income.

Which money can be used today?

Carry it forward

Daily amount clearer?

PaycheckAid organises your figures. It does not determine benefit eligibility, tax, credit suitability or the right financial choice for you.