How much can I safely spend today?

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. See how Depo calculates your number in the app.

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. Read our explainer on daily spending limits.

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. See our full guide on essential expenses.

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. Read our guide on budgeting with irregular income.

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.