Payday Clarity
Your plan stays in this browser
Support for $9 No envelopes. No judgment. Just a clear answer.
Know what you can safely spend before payday.
Enter what you have, what is due, and what you need for essentials. We’ll show you what to protect and what is actually available.
No bank connection No account required Free to use
Payday Clarity is free. A one-time founding supporter purchase helps fund its continued development.
STEP 1
Start with what you have
Use the amount currently available—not your credit limit or next paycheck.
Across the accounts you plan to use before payday.
This is the end of your planning period.
For your calendar only; it is not counted before it arrives.
STEP 2
Add bills due before payday
Include rent, utilities, subscriptions, and anything else that must be paid.
1
$
STEP 3
Protect your essentials
Estimate what you need from today through payday.
Only payments due before payday.
A small amount left untouched for surprises.