Your paycheck plan starts here.

Build a clear plan for bills, debt, and savings in minutes.

Start planning Compare strategies

5 steps

Income → Bills → Debts → Savings → Plan

2 modes

Hourly or Salary, your choice

15 min

Typical full setup time

Step 1 — Paycheck Setup

Build your net paycheck. We’ll allocate bills, debt, and savings after.

Pay type

Hourly Salary

Hourly supports overtime and variable hours.

Pay frequency

Hourly rate ($/hr)

Overtime

Overtime applies

Auto-convert hours above threshold into OT (per week).

OT starts after (hrs/week)

OT rate (multiplier)

Extra pay this paycheck ($) (optional)

Taxes

Estimate my take-home

Use a simple % you control.

Estimated tax %

Net paycheck (preview)

I know my exact take-home

Skip estimating taxes and just enter net.

Current bank balance right now ($)

Minimum bank buffer you want to keep ($)

Spending money per paycheck ($ for groceries, gas, fun)

Start date for this plan (first paycheck you want to follow)

👇 Fill Step 1, then click “Save Step 1”. Your net paycheck will appear here.

Step 2 — Fixed Bills

Add regular monthly bills like rent, HOA, car payments, or internet.

Bill name

Amount ($)

Due day of month

Total bills tracked $0.00

Tip: use “Edit” to update a bill or “Remove” to delete it.

Step 3 — Debts

Add credit cards or loans you want to pay down. Choose how you want extra payments prioritized.

Debt payoff strategy

You can switch anytime — the plan will update. Learn the difference

Debt name

Balance ($)

Minimum payment ($)

Minimum due day

Interest rate (%)

Minimums tracked $0.00

Step 4 — Savings Goals

Build savings goals alongside debt payoff. Extra money is weighted by priority and deadline.

Goal type

Target amount ($)

Deadline

Priority level

Priority and deadline work together to split savings automatically.

Total goal targets $0.00

Tip: set close deadlines for urgent goals like emergency savings.

Step 5 — Plan Output

Calculate your next paycheck actions, then launch the full paycheck-by-paycheck tracker.

Plan focus

Focus on Debt Balanced Focus on Saving

Focus on Debt sends ~80% of extra to debt. Balanced is 50/50. Focus on Saving sends ~80% to goals.

👇 Click the button below to calculate what to do with your next paycheck.

Open Full Plan Tracker Remember my data on this device

Turn off to keep data only for this session.

FAQ

Common questions about the planner.

Where is my data stored?

Sign-in is required to use the planner. Your entries stay on your device unless you choose billing/account actions.

What if my pay varies?

Use hourly mode with your actual hours, or enter exact net pay for the paycheck.

Snowball vs avalanche?

Snowball targets the smallest balance for motivation. Avalanche targets the highest APR to save interest.