Your everyday finances, simplified
Give every paycheck a plan.
Turn bills of every frequency into a consistent plan for each income source.
Set aside what you need, and see what’s yours to spend.
Not saved · Your plan stays in this tab until you save it.
Start with your income
Add each take-home income separately, with its own payment schedule. We’ll calculate a consistent transfer from each source.
Build your bill list
Make room for the essentials.
Add rent, utilities, subscriptions, or that once-a-year bill. We’ll spread them across your paychecks.
| Bill / frequency | Bill amount | Monthly avg. | Actions |
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Add a little breathing room
How this plan works
Keep a bills account separate from your everyday spending. Transfer each source’s suggested amount whenever it pays you, let it build up, and pay recurring expenses from that account.
We annualize your bills and all income sources. Each source contributes the same percentage of its take-home pay before transfer rounding, so higher incomes contribute proportionately more. Each transfer is then rounded up separately. With one source, this is the same as dividing annual bills by its annual paycheck count. Weekly uses 52 payments, every two weeks uses 26, and twice monthly uses 24. Daily bills use 365 days; daily pay uses your selected paid days × 52 weeks. These are planning averages, not a dated cash-flow forecast.
When starting, you may need an opening balance to cover bills due before enough transfers accumulate. Review the plan when income or expenses change; some calendar years have an extra weekly or biweekly payday.
Rounding always goes up to a $5 multiple. Exact multiples stay unchanged. Transfers are rounded up to the next cent so fractional cents do not leave the account underfunded. All displayed padding includes that small cent adjustment.
Your plan. Your device.
Save a snapshot in this browser, or download a JSON backup you can restore on another device. Changes are saved only when you choose Save. Backups and browser saves are not encrypted.
Storage & privacy options
This page’s application code does not send your plan to a server. Tailwind loads from an external CDN, which requires internet access and runs third-party code. Browser storage belongs to this browser profile and website origin; clearing site data removes it, and private browsing is temporary. Files opened directly from your computer can have inconsistent browser storage behavior. Anyone using this browser profile, and scripts running on the same origin, may be able to access saved data. Keep a downloaded backup somewhere safe.