Enter your take-home pay, how often you are paid, and your bills. This calculator lands each bill on the paycheck that covers it and shows what is left on every check, so you can see a tight one coming before it arrives. No signup, no bank login, nothing saved.
$
Jul 3rd paycheck+$1,600
Electric-$90
Left over$1,510
Jul 17th paycheck+$1,600
Phone-$60
Left over$1,540
Jul 31st paycheck+$1,600
Rent-$1,200
Electric-$90
Left over$310
Aug 14th paycheck+$1,600
Phone-$60
Left over$1,540
Why land bills on a paycheck instead of a month
Rent is due the 1st and your check lands the 5th. A monthly budget says you are fine; your bank account says otherwise. Matching each bill to the paycheck that arrives before it turns a vague monthly average into a real question with a yes-or-no answer: does this check cover what is due before the next one? That is the method the Ends Meet app is built on, and it fits weekly, biweekly, and 1st-and-15th pay without pretending every month is the same.
Common questions
How do I split my paycheck to pay bills?
List your bills with the day each is due, then match each bill to the paycheck that arrives just before it. A bill due the 3rd is covered by your last check, not the one landing on the 5th. The calculator above does this for you: it lands every bill on the check that covers it and shows what is left over on each.
How is budgeting by paycheck different from budgeting by month?
A monthly budget averages everything together and hides the timing, so you can look fine for the month and still be short the week rent is due. Budgeting by paycheck asks a smaller, truer question: does this specific check cover the bills that land before the next one? It fits weekly, biweekly, and 1st-and-15th pay far better than a single monthly bucket.
What if a paycheck cannot cover its bills?
Then you have found the tight check before it found you. You can move a flexible bill to the paycheck before or after it, trim a spend, or set a little aside from a looser check earlier. Seeing it a week ahead is the whole point, and it beats a surprise overdraft.
Does this connect to my bank?
No. You type your pay and bills in yourself and the math happens in your browser. Nothing is saved unless you continue in the Ends Meet app, and the app never asks for a bank login either.
This is the first thing Ends Meet shows you, made shareable. In the app it stays live: check off a bill and the leftover ticks down, tell it what you actually spent, and your real number stays true, all without ever linking a bank.