Safety floor
The cushion you always keep in checking.
$1,254.10
Lowest Harbor Checking is projected to reach on Oct 14. That stays $54.10 above your $1,200.00 safety floor.
Wednesday, September 30
Demo. This number is this fictional household's calculation, not a real person's.
Today
Running cool$51.46
Safe to spend each day until payday (Thu, Oct 15)
None spotted yet.
A yearly bill such as insurance still has to be added. History only spots repeats it can see.
$1,200.00
The amount you always keep in checking.
The cushion you always keep in checking.
$1,254.10
Lowest Harbor Checking is projected to reach on Oct 14. That stays $54.10 above your $1,200.00 safety floor.
Northline Visa pay in full
Sep 30 · Card · overdue
Northline Visa pay in full
Sep 30 · Card
Savings transfer
Sep 30 · Savings
Oak Street Rent
Oct 1 · Bill
City Power
Oct 12 · Bill
Northwind Studio
Oct 15 · Income
1. Spent so far this pay period
Pending and posted purchases. Transfers and card payments are left out. Pending rows that already posted are counted once.
sum(purchases from pay period start through today)
$902.20
2. Pending rows folded into a posted charge
A posted transaction with the same pending id, or the same merchant and amount within five days, replaces the pending row.
count(dropped pending)
1 rows
3. Transfers excluded from spending
Money moving between your accounts is not spending.
sum(internal transfers out, month to date)
$0.00
4. Card payments excluded from spending
Paying a card is not a second purchase. The original charges already counted.
sum(card payments from cash accounts, month to date)
$0.00
5. Plan for this pay period
This month's category budgets, split across the paychecks in a year.
monthly plan × 12 / paychecks per year
$3,030.00
6. Average spent per day
$902.20 over 16 days is $56.39 per day. The plan is $101.00 per day ($3,030.00 / 30). Under the 8% band.
spent / days elapsed, compared with the pay-period plan / days in the period
$56.39
7. Subtract Northline Visa pay in full
Overdue. Due 2026-09-30. This line is subtracted on its own.
− $480.00
$480.00
8. Subtract Savings transfer
Due 2026-09-30. This line is subtracted on its own.
− $250.00
$250.00
9. Subtract Oak Street Rent
Due 2026-10-01. This line is subtracted on its own.
− $1,800.00
$1,800.00
10. Subtract City Power
Due 2026-10-12. This line is subtracted on its own.
− $92.00
$92.00
11. Subtract set-aside for annual and irregular bills
Yearly and quarterly bills that are not due before payday. Each pay period holds back its share. A bill due in this period is listed above in full instead. The money stays in checking through this window. The projection does not subtract that bill again after payday, and it does not add the next paycheck either.
sum(yearly amount / periods + quarterly amount × 4 / periods)
$54.00
12. Expected income before payday
Other income dated before payday. The paycheck on payday starts the next period, so it is not added here.
sum(expected income through payday)
$0.00
13. Subtract safety floor
The cushion you always keep in checking. It stays in checking and is not part of safe-to-spend.
− $1,200.00
$1,200.00
14. Cash reserved until payday
Each subtraction above, including the irregular-bill set-aside.
$1,892.00 + $0.00 + $480.00 + $250.00 + $54.00
$2,676.00
15. Left to spend after the safety floor
Available checking $4,648.00 − each line above + income $0.00 − safety floor $1,200.00.
$4,648.00 − $480.00 Northline Visa pay in full − $250.00 Savings transfer − $1,800.00 Oak Street Rent − $92.00 City Power − $54.00 set aside − $1,200.00 safety floor + $0.00 income
$772.00
16. Safe to spend each day
The largest whole-cent amount that keeps the projected low at or above the safety floor for 15 days until payday, not counting payday itself.
largest daily amount that keeps the low at or above the floor
$51.46
17. Projected lowest checking balance
Walk checking from today through 2026-10-14. Each day spends the full safe-to-spend amount. Income and bills count only on dates inside this window, through payday. The next paycheck and any bill after that are both left out. A later yearly or quarterly bill is only its set-aside, which stays in checking. The low stays $54.10 above the safety floor.
min(checking balance through payday)
$1,254.10