PAYDAY PLANNER · FREE WORKING PREVIEW
Fortnightly pay. Monthly bills. One clear plan.
See when cash could run low between paydays. Put weekly, fortnightly and monthly payments on one 13-week calendar, then try your own numbers.
13 weeks · Australian dollars · No account or bank connection
A weekly budget can look fine while one day runs short. This preview shows end-of-day balances and a separate low point if bills leave before pay on the same day.
Enter take-home amounts. No tax, interest, fees or bank-holiday adjustments are calculated.
Build your timeline.
Use labels like “Pay 1” and “Rent”. Don't enter account numbers or other identifying details.
Nothing saves automatically. “Save on this device” keeps one plan in this browser, without encryption. Anyone using this browser profile may be able to restore it.
Howloop Payday Planner preview · howloop.how/tools/cash-flow/
WORKED EXAMPLEYour 13-week view.
5 Oct 2026 – 3 Jan 2027 · 91 days
Illustrative numbers only. Edit the example to build your own plan.
- Lowest end-of-day balance
- $2,275.00 8 Oct 2026
- Balance after 13 weeks
- $18,685.00 After every listed payment
- Total money in
- $28,700.00 Expected take-home amounts
- Total money out
- $13,215.00 Only the payments you include
Check your chosen buffer against the daily balances below.
Downloads and printouts contain your entries. Keep them private.
All 13 weeks.
Weeks are seven-day blocks starting on your chosen first day. “Low if bills leave first” includes the opening balance and assumes that day's bills clear before that day's income.
| Week / dates | Money in | Money out | Low if bills leave first | Closing balance |
|---|---|---|---|---|
| Week 15 Oct 2026 – 11 Oct 2026 | $3,500.00 | $925.00 | $2,275.00 | $5,775.00 |
| Week 212 Oct 2026 – 18 Oct 2026 | $1,400.00 | $830.00 | $4,945.00 | $6,345.00 |
| Week 319 Oct 2026 – 25 Oct 2026 | $3,500.00 | $1,145.00 | $5,200.00 | $8,700.00 |
| Week 426 Oct 2026 – 1 Nov 2026 | $0.00 | $830.00 | $7,870.00 | $7,870.00 |
| Week 52 Nov 2026 – 8 Nov 2026 | $3,500.00 | $2,025.00 | $5,845.00 | $9,345.00 |
| Week 69 Nov 2026 – 15 Nov 2026 | $1,400.00 | $830.00 | $8,515.00 | $9,915.00 |
| Week 716 Nov 2026 – 22 Nov 2026 | $3,500.00 | $1,145.00 | $8,770.00 | $12,270.00 |
| Week 823 Nov 2026 – 29 Nov 2026 | $0.00 | $830.00 | $11,440.00 | $11,440.00 |
| Week 930 Nov 2026 – 6 Dec 2026 | $3,500.00 | $925.00 | $10,515.00 | $14,015.00 |
| Week 107 Dec 2026 – 13 Dec 2026 | $0.00 | $830.00 | $13,185.00 | $13,185.00 |
| Week 1114 Dec 2026 – 20 Dec 2026 | $4,900.00 | $1,145.00 | $12,535.00 | $16,940.00 |
| Week 1221 Dec 2026 – 27 Dec 2026 | $0.00 | $830.00 | $16,110.00 | $16,110.00 |
| Week 1328 Dec 2026 – 3 Jan 2027 | $3,500.00 | $925.00 | $15,185.00 | $18,685.00 |
Inspect every day and the payments behind it
| Date / payments | Money in | Money out | Low if bills leave first | Closing balance |
|---|---|---|---|---|
| 5 Oct 2026Housing | $0.00 | $650.00 | $2,550.00 | $2,550.00 |
| 6 Oct 2026No listed payments | $0.00 | $0.00 | $2,550.00 | $2,550.00 |
| 7 Oct 2026Groceries | $0.00 | $180.00 | $2,370.00 | $2,370.00 |
| 8 Oct 2026Transport | $0.00 | $95.00 | $2,275.00 | $2,275.00 |
| 9 Oct 2026Fortnightly pay | $3,500.00 | $0.00 | $2,275.00 | $5,775.00 |
| 10 Oct 2026No listed payments | $0.00 | $0.00 | $5,775.00 | $5,775.00 |
| 11 Oct 2026No listed payments | $0.00 | $0.00 | $5,775.00 | $5,775.00 |
| 12 Oct 2026Housing | $0.00 | $650.00 | $5,125.00 | $5,125.00 |
| 13 Oct 2026No listed payments | $0.00 | $0.00 | $5,125.00 | $5,125.00 |
| 14 Oct 2026Groceries | $0.00 | $180.00 | $4,945.00 | $4,945.00 |
| 15 Oct 2026Monthly pay | $1,400.00 | $0.00 | $4,945.00 | $6,345.00 |
| 16 Oct 2026No listed payments | $0.00 | $0.00 | $6,345.00 | $6,345.00 |
| 17 Oct 2026No listed payments | $0.00 | $0.00 | $6,345.00 | $6,345.00 |
| 18 Oct 2026No listed payments | $0.00 | $0.00 | $6,345.00 | $6,345.00 |
| 19 Oct 2026Housing, Utilities | $0.00 | $870.00 | $5,475.00 | $5,475.00 |
| 20 Oct 2026No listed payments | $0.00 | $0.00 | $5,475.00 | $5,475.00 |
| 21 Oct 2026Groceries | $0.00 | $180.00 | $5,295.00 | $5,295.00 |
| 22 Oct 2026Transport | $0.00 | $95.00 | $5,200.00 | $5,200.00 |
| 23 Oct 2026Fortnightly pay | $3,500.00 | $0.00 | $5,200.00 | $8,700.00 |
| 24 Oct 2026No listed payments | $0.00 | $0.00 | $8,700.00 | $8,700.00 |
| 25 Oct 2026No listed payments | $0.00 | $0.00 | $8,700.00 | $8,700.00 |
| 26 Oct 2026Housing | $0.00 | $650.00 | $8,050.00 | $8,050.00 |
| 27 Oct 2026No listed payments | $0.00 | $0.00 | $8,050.00 | $8,050.00 |
| 28 Oct 2026Groceries | $0.00 | $180.00 | $7,870.00 | $7,870.00 |
| 29 Oct 2026No listed payments | $0.00 | $0.00 | $7,870.00 | $7,870.00 |
| 30 Oct 2026No listed payments | $0.00 | $0.00 | $7,870.00 | $7,870.00 |
| 31 Oct 2026No listed payments | $0.00 | $0.00 | $7,870.00 | $7,870.00 |
| 1 Nov 2026No listed payments | $0.00 | $0.00 | $7,870.00 | $7,870.00 |
| 2 Nov 2026Housing, Annual insurance | $0.00 | $1,750.00 | $6,120.00 | $6,120.00 |
| 3 Nov 2026No listed payments | $0.00 | $0.00 | $6,120.00 | $6,120.00 |
| 4 Nov 2026Groceries | $0.00 | $180.00 | $5,940.00 | $5,940.00 |
| 5 Nov 2026Transport | $0.00 | $95.00 | $5,845.00 | $5,845.00 |
| 6 Nov 2026Fortnightly pay | $3,500.00 | $0.00 | $5,845.00 | $9,345.00 |
| 7 Nov 2026No listed payments | $0.00 | $0.00 | $9,345.00 | $9,345.00 |
| 8 Nov 2026No listed payments | $0.00 | $0.00 | $9,345.00 | $9,345.00 |
| 9 Nov 2026Housing | $0.00 | $650.00 | $8,695.00 | $8,695.00 |
| 10 Nov 2026No listed payments | $0.00 | $0.00 | $8,695.00 | $8,695.00 |
| 11 Nov 2026Groceries | $0.00 | $180.00 | $8,515.00 | $8,515.00 |
| 12 Nov 2026No listed payments | $0.00 | $0.00 | $8,515.00 | $8,515.00 |
| 13 Nov 2026No listed payments | $0.00 | $0.00 | $8,515.00 | $8,515.00 |
| 14 Nov 2026No listed payments | $0.00 | $0.00 | $8,515.00 | $8,515.00 |
| 15 Nov 2026Monthly pay | $1,400.00 | $0.00 | $8,515.00 | $9,915.00 |
| 16 Nov 2026Housing | $0.00 | $650.00 | $9,265.00 | $9,265.00 |
| 17 Nov 2026No listed payments | $0.00 | $0.00 | $9,265.00 | $9,265.00 |
| 18 Nov 2026Groceries | $0.00 | $180.00 | $9,085.00 | $9,085.00 |
| 19 Nov 2026Transport, Utilities | $0.00 | $315.00 | $8,770.00 | $8,770.00 |
| 20 Nov 2026Fortnightly pay | $3,500.00 | $0.00 | $8,770.00 | $12,270.00 |
| 21 Nov 2026No listed payments | $0.00 | $0.00 | $12,270.00 | $12,270.00 |
| 22 Nov 2026No listed payments | $0.00 | $0.00 | $12,270.00 | $12,270.00 |
| 23 Nov 2026Housing | $0.00 | $650.00 | $11,620.00 | $11,620.00 |
| 24 Nov 2026No listed payments | $0.00 | $0.00 | $11,620.00 | $11,620.00 |
| 25 Nov 2026Groceries | $0.00 | $180.00 | $11,440.00 | $11,440.00 |
| 26 Nov 2026No listed payments | $0.00 | $0.00 | $11,440.00 | $11,440.00 |
| 27 Nov 2026No listed payments | $0.00 | $0.00 | $11,440.00 | $11,440.00 |
| 28 Nov 2026No listed payments | $0.00 | $0.00 | $11,440.00 | $11,440.00 |
| 29 Nov 2026No listed payments | $0.00 | $0.00 | $11,440.00 | $11,440.00 |
| 30 Nov 2026Housing | $0.00 | $650.00 | $10,790.00 | $10,790.00 |
| 1 Dec 2026No listed payments | $0.00 | $0.00 | $10,790.00 | $10,790.00 |
| 2 Dec 2026Groceries | $0.00 | $180.00 | $10,610.00 | $10,610.00 |
| 3 Dec 2026Transport | $0.00 | $95.00 | $10,515.00 | $10,515.00 |
| 4 Dec 2026Fortnightly pay | $3,500.00 | $0.00 | $10,515.00 | $14,015.00 |
| 5 Dec 2026No listed payments | $0.00 | $0.00 | $14,015.00 | $14,015.00 |
| 6 Dec 2026No listed payments | $0.00 | $0.00 | $14,015.00 | $14,015.00 |
| 7 Dec 2026Housing | $0.00 | $650.00 | $13,365.00 | $13,365.00 |
| 8 Dec 2026No listed payments | $0.00 | $0.00 | $13,365.00 | $13,365.00 |
| 9 Dec 2026Groceries | $0.00 | $180.00 | $13,185.00 | $13,185.00 |
| 10 Dec 2026No listed payments | $0.00 | $0.00 | $13,185.00 | $13,185.00 |
| 11 Dec 2026No listed payments | $0.00 | $0.00 | $13,185.00 | $13,185.00 |
| 12 Dec 2026No listed payments | $0.00 | $0.00 | $13,185.00 | $13,185.00 |
| 13 Dec 2026No listed payments | $0.00 | $0.00 | $13,185.00 | $13,185.00 |
| 14 Dec 2026Housing | $0.00 | $650.00 | $12,535.00 | $12,535.00 |
| 15 Dec 2026Monthly pay | $1,400.00 | $0.00 | $12,535.00 | $13,935.00 |
| 16 Dec 2026Groceries | $0.00 | $180.00 | $13,755.00 | $13,755.00 |
| 17 Dec 2026Transport | $0.00 | $95.00 | $13,660.00 | $13,660.00 |
| 18 Dec 2026Fortnightly pay | $3,500.00 | $0.00 | $13,660.00 | $17,160.00 |
| 19 Dec 2026Utilities | $0.00 | $220.00 | $16,940.00 | $16,940.00 |
| 20 Dec 2026No listed payments | $0.00 | $0.00 | $16,940.00 | $16,940.00 |
| 21 Dec 2026Housing | $0.00 | $650.00 | $16,290.00 | $16,290.00 |
| 22 Dec 2026No listed payments | $0.00 | $0.00 | $16,290.00 | $16,290.00 |
| 23 Dec 2026Groceries | $0.00 | $180.00 | $16,110.00 | $16,110.00 |
| 24 Dec 2026No listed payments | $0.00 | $0.00 | $16,110.00 | $16,110.00 |
| 25 Dec 2026No listed payments | $0.00 | $0.00 | $16,110.00 | $16,110.00 |
| 26 Dec 2026No listed payments | $0.00 | $0.00 | $16,110.00 | $16,110.00 |
| 27 Dec 2026No listed payments | $0.00 | $0.00 | $16,110.00 | $16,110.00 |
| 28 Dec 2026Housing | $0.00 | $650.00 | $15,460.00 | $15,460.00 |
| 29 Dec 2026No listed payments | $0.00 | $0.00 | $15,460.00 | $15,460.00 |
| 30 Dec 2026Groceries | $0.00 | $180.00 | $15,280.00 | $15,280.00 |
| 31 Dec 2026Transport | $0.00 | $95.00 | $15,185.00 | $15,185.00 |
| 1 Jan 2027Fortnightly pay | $3,500.00 | $0.00 | $15,185.00 | $18,685.00 |
| 2 Jan 2027No listed payments | $0.00 | $0.00 | $18,685.00 | $18,685.00 |
| 3 Jan 2027No listed payments | $0.00 | $0.00 | $18,685.00 | $18,685.00 |
A FIXED, REPRODUCIBLE EXAMPLE · AUD
A positive finish can hide a shortfall before payday.
The sample starts with $3,200.00. Now keep every payment the same and start with only $400.00 on 5 Oct 2026. Before the first fortnightly pay arrives, three expenses have already left.
| Date | What happens | End-of-day balance |
|---|---|---|
| 5 Oct 2026 | Housing: −$650.00 | -$250.00 |
| 7 Oct 2026 | Groceries: −$180.00 | -$430.00 |
| 8 Oct 2026 | Transport: −$95.00 | -$525.00 |
| 9 Oct 2026 | Fortnightly pay: +$3,500.00 | $2,975.00 |
The lowest end-of-day balance is -$525.00 on 8 Oct 2026. Yet the same entries finish the 13 weeks at $15,885.00. Money arriving later cannot cover a payment that left earlier. The negative figure is an arithmetic shortfall, not an available overdraft.
These are deliberately limited, hypothetical entries, not a typical household budget. Unlisted expenses, tax, interest and fees are excluded. This example stays fixed when you edit your own plan above.
See every input and reproduce the result
First day: 5 Oct 2026. Starting cash: $400.00. Buffer: $1,500.00. The buffer is only a comparison line; it is not another expense.
| Entry | Amount | First payment | Repeats |
|---|---|---|---|
| Fortnightly pay | $3,500.00 | 9 Oct 2026 | Every 14 days |
| Monthly pay | $1,400.00 | 15 Oct 2026 | Monthly |
| Housing | $650.00 | 5 Oct 2026 | Every 7 days |
| Groceries | $180.00 | 7 Oct 2026 | Every 7 days |
| Transport | $95.00 | 8 Oct 2026 | Every 14 days |
| Utilities | $220.00 | 19 Oct 2026 | Monthly |
| Annual insurance | $1,100.00 | 2 Nov 2026 | One-off |
Over 91 days, seven fortnightly pays and three monthly pays total $28,700.00. The listed bills total $13,215.00. Starting cash + money in − money out = $15,885.00. The exact calendar, not a monthly average, determines those payment counts.
Fortnightly pay is not twice a month
Every fortnight means every 14 days. It does not mean the 1st and 15th. Enter one known payday and let the planner generate its actual dates. If your employer pays twice monthly, enter two monthly schedules instead.
Keep monthly bills monthly
Do not turn a monthly bill into a four-week payment. Twelve calendar months and thirteen four-week blocks are different schedules. Enter the bill amount and its due date once, then choose Monthly. Use a separate one-off entry for an annual bill within your 13 weeks.
Read both low points
End-of-day balance combines that day's income and bills. “Low if bills leave first” checks a more cautious order. Neither predicts your bank's posting order. Review real payment dates, including weekends and public holidays, before relying on a plan.
Include spending between bills
Groceries, transport and smaller purchases use cash too. If you pay a credit-card statement from this account, avoid also counting the same purchases as cash leaving this account. Include the payments and transfers that actually reduce the balance you are modelling.
Howloop created this example using the same deterministic calculation engine as the planner. It is general education, with no financial-adviser review. For broader budgeting context, read ASIC Moneysmart's budgeting guide. That source does not endorse Howloop or verify this example. Report an error or unclear step.
What the preview assumes.
- Dates and amounts are supplied by you. It does not connect to a bank or verify an expected payment.
- Weekly means every 7 days; fortnightly means every 14 days. Monthly payments keep their original day, or use the month's last day when that day does not exist. A 31 January anchor becomes 28/29 February, then 31 March.
- Weekends and public holidays do not shift payments. Enter separate one-off dates when actual timing differs.
- Amounts stay constant on a recurring schedule. For variable pay, add separate one-off entries or edit and recalculate.
- No interest, tax, grants, inflation or fees are added. A positive result does not establish affordability or guarantee that bills will clear.