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Will Your Money Last Until Payday?

Check whether your money will last until your next paycheck—and how tight the gap really is.

This tool focuses on survival to payday — not daily spending limits.

How It Works

Input Your Numbers

Enter your cash on hand, incoming income, and bills before payday.

We Calculate the Gap

The tool subtracts all required expenses and shows your projected leftover.

Know Your Risk Level

Instantly see whether you’re safe, tight, or at risk of a shortfall.

Why Bill-Gap Works

No Tracking

Your data stays in your browser.

Transparent Math

You see exactly how the gap is calculated.

Practical Clarity

Know if you can make it to the next paycheck.

Use the Calculator

Try it free below

Bill-Gap Calculator
See if you can cover everything until your next paycheck and how tight the period really is.
Cash on hand today ($)
Total cash available now (accounts, wallet, etc.).
Net income before next paycheck ($)
NET income you still expect before your next paycheck (after tax & deductions).
Must-pay bills before next paycheck ($)
Rent, utilities, phone, debt minimums, subscriptions due before your paycheck.
Other necessary spending ($)
Groceries, transport, basic day-to-day costs for this period (no “extras”).
Days until next paycheck
How many days this money needs to last from today until the next paycheck.
Full Excel Version — Custom Thresholds & More

The Excel version includes customizable comfort ranges, extra-needed breakdowns, and offline reuse.

If you’re safe until payday, you may want to plan your daily spending with Safe to Spend Today

If things feel tight, check how much of your income is locked into recurring costs with Where Is My Money Going?

FAQ

What is a “bill gap”?

It’s the difference between what you’ll have available and what you must cover before your next paycheck.

Whether you’re likely to make it to payday comfortably, tightly, or with a shortfall.

No. Your numbers stay in your browser. We don’t store or collect your inputs.

Enter the total income you expect before the bills you’re trying to cover. You can run multiple scenarios.

Bill-Gap is about surviving to payday. Safe-to-Spend is about your daily spending limit for the month.

See real examples

Want to see how the number changes in real situations? Visit the Bill-Gap Calculator Examples page.

Read the full FAQ

Want quick clarity on each input and how the result works? Visit the Bill-Gap Calculator FAQ page.