Demo — sample data, not a real household.·Signed in as Nora see it as Maya

What's coming

When the account is emptiest, and what a payment today does to it.

Household Nora
To payday Two paydays All 45 days

Joint Checking, to 10/23

$2,198.15

Lowest before payday is $2,198.15 on 10/18.

10/18 · $2,198.15

if pay is lean   if pay is typical   your $1,200.00 cushion
pay lands   something's due   both   the low before payday — tap any dot

That clears the $1,200.00 cushion with $998.15 to spare.

Next pay lands about 10/19.

Further out it dips to $1,897.13 on 11/03, before the paycheck that covers it.

What if I send something today?

The low point above moves with it, so you can see the day it would hurt rather than working it out afterwards.

What's coming in

Vantage
fortnightly · next 2026-10-23 $1,448.17
Brightleaf
twice a month · next 2026-10-19 $1,047.47

What's due, and when

GRANITE MUTUAL AUTO INS
10/17 · monthly, seen 6x −$186.50
CITY OF FERNHILL UTIL
10/20 · monthly, seen 6x −$63.24
EVERGREEN WASTE SERVICES
10/26 · monthly, seen 6x −$42.75
Transfer to Rainy Day Savings
11/01 · monthly, seen 4x −$225.00
LAKEBEND HOME LOANS MTG PMT
11/03 · monthly, seen 7x −$1,884.07
CASCADE POWER & LIGHT EBILL
11/06 · monthly, seen 7x −$144.57
NORTHLINE FIBER INTERNET
11/09 · monthly, seen 7x −$84.99
MOBILE NEST WIRELESS
11/12 · monthly, seen 7x −$141.72
GRANITE MUTUAL AUTO INS
11/17 · monthly, seen 6x −$186.50
CITY OF FERNHILL UTIL
11/20 · monthly, seen 6x −$63.24
EVERGREEN WASTE SERVICES
11/26 · monthly, seen 6x −$42.75
Everyday spending
spread evenly; it has no due date −$36.35 a day

Pay is taken at the lowest that has actually landed. Everything above has happened at least twice before — nothing here is a guess about something new.