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Your Payday Reset

A free UK planner to help you budget until payday.

What does your money need to cover before you’re paid again?

Use a six-step check for your next pay cycle. Weekly, fortnightly, four-weekly, monthly or variable pay: choose the actual next date.

No bank connection. Entries stay in this page’s memory while you use it. This tool does not save them in browser storage or send financial entries to our servers or Analytics. Print a copy to keep it; leaving or refreshing can lose your entries.

1 · Start with money available now

Use your current available balance, including income already received. Exclude borrowing limits and money held separately for another purpose. Do not add payday income again if it is already in this balance, or include income that has not arrived.

Starting date

Next actual pay date

Money available now (£)

Account for pending transactions. If your balance is negative, enter the negative amount; an overdraft is borrowing, not available income.

2 · Reserve bills due before that date

Bills due (£)

Housing, utilities and other committed bills in this period. Include each payment only once.

3 · Allow for essentials

Food, travel and other essentials (£)

Use the whole period until the next pay date, not an assumed four-week month. Exclude items already under bills.

4 · Include irregular costs and debt payments

Required debt payments not already counted (£)

Minimum or agreed payments due in this period. Do not enter full debt balances.

Irregular costs not already counted (£)

Annual bills or other known costs that this money must cover. Do not deduct money already excluded from the starting balance.

5 · Check what remainsI have counted each cost once, included the commitments this money must cover and used the same period throughout.

6 · Choose one next actionA small action you can take

Your result will appear here

A positive result is not a safe-to-spend allowance. Estimates and omitted costs can change it.

Open blank checklist Open My Money Dashboard →

Calculate a result to print your entries and result. For an empty one-page sheet to fill in by hand, open the blank checklist.

A worked example

Hypothetical payday example: £2,200 just received, with no other balance included, minus £1,100 bills, £650 essentials, £150 required debt payments and £100 irregular costs leaves £200 remaining to allocate. Each category is separate and covers the same pay period. This is an illustration, not a recommended allocation.

How to budget until payday

Start with the money available now, after allowing for pending transactions and money you have kept separately. Choose your actual next pay date, then enter the bills, essentials, required debt payments and irregular costs that this money must cover. Count each cost once. The planner subtracts those commitments and shows what remains for the period, or a shortfall.

Does the planner give a daily spending allowance?

No. It shows the balance after the commitments you enter. It does not predict future transactions or say what is safe to spend each day. Missing costs, payment timing and a suitable buffer still matter.

Can I use it if I am paid weekly or every four weeks?

Yes. Enter the actual start and next pay dates for the period you are checking. Do not assume a month has four weeks, or add future wages to money you already have.

Can I keep a copy without an account?

After calculating, choose Print this result / Save as PDF to keep your entries and result. Choose Open blank checklist for an empty one-page sheet. The tool does not save financial entries; a copy you print or save is your responsibility to keep private.

When the result is a shortfall

Check the entries and get help if essentials or required payments are unaffordable. Do not treat a negative result as a reason to borrow, invest or make optional overpayments.

Check support routes · Free UK debt-help guidance · MoneyHelper: find free debt advice

For the bigger picture

This checks one period using money available now. It is not a dated cash-flow forecast and does not account for future income arrivals. Use the Monthly Budget Calculator or Money MOT for your regular monthly position.

Reviewed: 8 October 2026. General educational information, not personalised financial advice.

If your payday check shows some money left, confirm upcoming essentials before assigning it to savings. For a regular income-and-spending view, use the Monthly Budget Calculator; for a specific affordable target, try the Savings Goal Calculator.