How much can I safely spend today?
Enter what you have available, what is still coming in, and what must be paid before the end of the month. Get one honest daily spending number — no signup or bank connection.
Changing currency changes formatting only. It does not convert amounts.
Your numbers stay in this browser. Depo does not receive or store them.
Enter your available money, income, bills, and savings to see your daily number.
Keep your number updated
A calculator gives you today's answer. Depo recalculates it whenever you add income or spending, so you always know what is safe to spend.
How the daily budget calculator works
Start with the money you have available right now. Add any confirmed income arriving before your target date. Subtract the bills and essentials still due, the savings you do not want to touch, and any emergency buffer. What remains is your flexible money. Divide that by the number of days remaining — including today — and you get one honest daily spending number. The formula is: available + confirmed income − bills − savings − buffer, divided by days left. For the full breakdown of how Depo calculates your number in the app, see our how-it-works guide.
A daily budget example
Say it is the 10th of a 31-day month, so 22 days remain including today. You have $1,400 available now, a $500 paycheck arriving before month-end, $600 in bills still due, $200 you want to save, and a $100 emergency buffer. Flexible money is $1,400 + $500 − $600 − $200 − $100 = $1,000. Divide by 22 days and you get about $45.45 per day. That is your safe-to-spend number for today.
Calculate your budget through the end of the month
The default uses the exact number of calendar days remaining in the current month, including today — not a fixed 30. That matters because months have 28, 29, 30, or 31 days. On the 14th of a 30-day month you have 17 days left; on the 14th of a 31-day month you have 18. Using the real calendar keeps your daily number accurate instead of slightly off.
Calculate your budget until payday
Until-next-payday mode is useful when your bills and spending naturally reset on payday rather than on the first of the month. If you get paid biweekly, or your biggest bills land right after payday, budgeting to the next paycheck can match your real cash flow better than budgeting to the calendar month. Pick the payday mode and choose your next payday date. This is especially useful if your income varies — read our guide on budgeting with irregular income for a deeper walkthrough.
What counts as bills and essentials?
Essentials are expenses you have already committed to: rent or mortgage, utilities, groceries, transportation, insurance, childcare, minimum debt payments, subscriptions, and anything else you owe no matter what. You do not need to categorize them perfectly — a plain label and amount is enough. If you would have to pay it even if you spent nothing on anything else, it belongs here. For a deeper look at what counts as an essential expense, we have a full guide with examples.
What happens if you overspend today?
If you spend more than today's number, the remaining flexible money is divided across fewer future days, so tomorrow's daily amount goes down. The planned spending simulator shows this in advance: enter what you are thinking of spending and see the new daily number starting tomorrow. Nothing breaks — the system just tells you the new truth. To understand what a daily spending limit is and how it works in practice, see our explainer.
What if the result is negative?
A negative number means your committed bills, savings, and protected money add up to more than what is available plus confirmed income. It is not a failure or a judgment — it is a gap in the current plan, surfaced so you can act on it. Review an upcoming bill, add confirmed income, adjust protected savings for this period, or change the target date.
Daily budget versus monthly budget
A monthly budget is a plan for the whole month. A daily number is an immediate spending decision. "I have $600 left for the month" does not tell you whether buying lunch today is fine. Dividing what is left across the days remaining turns your situation into something you can use right now, at the point of decision. For a side-by-side comparison of daily limits vs monthly budgets, read our full breakdown.
Is this a disposable income calculator?
Not quite. Disposable income usually means after-tax income. This calculator goes further: it also subtracts upcoming bills, protected savings, and an emergency buffer before dividing across the days left. The result is closer to what you can actually spend today without messing up the month, not just what is left after taxes.
Calculator FAQ
Straight answers on how the daily number is calculated and what to do when the result is uncomfortable.
Take the money you have available, add confirmed income arriving before your target date, subtract bills and essentials still due, subtract savings and any emergency buffer, then divide what remains by the number of days left including today. That single number is what you can safely spend today.
Available money plus confirmed income, minus bills, minus savings, minus emergency buffer, divided by the days remaining including today. The calculator shows the full formula and the exact arithmetic behind your number.
Because most bills and paychecks line up with calendar months. The default uses the exact number of calendar days remaining in the current month, including today, rather than always dividing by 30, so the daily number stays accurate in short and long months alike.
Use the end of the month if your bills reset on the calendar. Use until next payday if your cash flow resets on payday, especially with biweekly pay or bills that land right after a paycheck. Both modes count today as a remaining day.
Rent or mortgage, utilities, groceries, transportation, insurance, childcare, minimum debt payments, subscriptions, and anything else you owe no matter what. You do not need to pick a category — a plain label and amount is enough.
Yes, include a realistic grocery estimate as an essential. Groceries are a committed cost you would pay even if you spent nothing on anything else, so they belong with the other bills and essentials still due.
Choose the until-next-payday mode and pick your next payday. Add your upcoming paycheck as confirmed income, list the bills due before that payday, and the calculator divides what is left across the days until payday, including today.
Yes. Only add income you are confident is arriving before the target date. Skip uncertain or hypothetical income. The daily number is always based on what is actually available right now and what is already spoken for, which works well for freelancers, gig workers, and service industry pay.
The remaining flexible money is divided across fewer future days, so tomorrow's daily amount goes down. Use the planned spending simulator to see the effect before you spend — enter the amount and see the new daily number starting tomorrow.
A negative result means your committed bills, savings, and protected money add up to more than what is available plus confirmed income. It is not a failure — it is a gap in the current plan. Review a bill, add confirmed income, adjust protected savings, or change the target date.
No. Disposable income usually means after-tax income. This calculator also subtracts upcoming bills, protected savings, and an emergency buffer before dividing across the days left, so the result is closer to what you can actually spend today.
No. The calculator runs entirely in your browser. Depo does not receive or store your available money, income, bills, savings, or results. Analytics only record that the calculator was used, never the amounts.
Yes. The calculator is free and works without an account or app download. If you want your number to update automatically as you spend, Depo does that for you.
No. Changing currency only changes how amounts are displayed. It does not convert values using exchange rates, so your numbers stay exactly as you entered them.
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