Enter what you have, when you are next paid, and what still has to come out. The calculator sets your costs aside and shows what is genuinely safe to spend each day.
It takes what you have now, sets aside what still has to be paid before payday, and divides the rest across the days remaining.
Most budgets are set once and then quietly abandoned by the second week.
Plan, track, compare, and save with Beforepay’s free finance tools.
Sometimes the costs use up everything before payday. That is information, not a verdict.
Worth being clear with yourself about which one the calculator has just shown you.
Beforepay has a loan to suit almost any occasion, whether you need a little extra for a sudden expense or are planning for something bigger.
Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.
A fast loan is only 3 steps away.
Getting started is simple - sign up online or download the Beforepay app.
Connect your bank account to explore your loan options or use Beforepay's money tools.
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Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
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Getting started is simple - sign up online or download the Beforepay app.
Connect your bank account to explore your loan options or use Beforepay's money tools.
Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.
Everything you need to know.
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It depends on what you have, when you are next paid and what still has to come out. The calculator sets aside your one-off bills and a prorated share of your regular costs, then divides what is left across the days until payday to give you a daily and weekly figure.
Anything that has to be paid whether or not you spend on anything else. Rent or mortgage, groceries, transport, insurance, utilities and subscriptions. Enter each as a weekly or monthly amount and the calculator prorates it across the days until payday. Costs you leave out come quietly out of the amount you thought was safe.
It means your costs use up everything before your next pay. Contact your billers first, as most will move a due date or set up a payment plan at no cost. Free financial counselling is available through the National Debt Helpline on 1800 007 007.
Most employers pay on the last business day before the weekend or holiday, though it depends on your employer and your award or agreement. Check your payslip history for the pattern and enter the date you actually expect to be paid.
Contact the biller first, as most will move a due date or set up a payment plan at no cost. If the gap is short and one off, Pay Advance covers $50 to $2,000 over a term of up to 62 days, subject to eligibility and assessment.
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