what's left of your paycheck calculator

What’s left of your paycheck? (Free calculator)

Stop guessing from your bank balance. Estimate what’s left of this paycheck with the same math Budgey Auto uses live.

Who it’s for

Anyone mid-pay-period who wants a calm yes/no before they spend.

Honest formula (Auto-aligned)

what's left = take-home for this period + carry-in − posted spend in this period

InputMeaning
Take-homeNet paycheck for the period that contains today
Carry-inAmount rolled from last period (use 0 if none / first period)
Posted spendPurchases that posted since this period started (not pending-only)

Period rule: starts on payday, ends the day before the next payday, and should contain today.

What’s left of your paycheck

Same math Budgey Auto uses live. You enter the numbers.

Default 0 if none / first period

What’s left of your paycheck

Estimate only. Budgey Auto updates this from your real money when you connect.

  • Manual estimate only — does not sync bank
  • Posted spend in the period containing today (payday → day before next)
  • Not plan-review “Unassigned from your paycheck”
  • Not live Auto until they connect

Worked example (example data — not a claim)

Take-home $1,600 · carry-in $0 · posted spend $277.83 → $1,322.17 left of your paycheck.

Honesty caveats (must stay on page)

  1. This is a manual estimator. It does not sync your bank.
  2. It matches Auto’s top number shape: income + carry − posted spend — not pending authorization timing gymnastics.
  3. It is not “Unassigned from your paycheck” (plan-review: take-home − category plan).
  4. Schedules differ (weekly / biweekly / semimonthly day-pair / monthly). You pick the period that contains today; Auto infers it from real deposits.

Sell the yes CTA

Want this live from real money? Connect your bank in Budgey — we build your budget from your paycheck and keep what’s left updated.

Free forever core · Unlimited $10/mo or $100/yr when you want bank sync / Auto unlocked.

Last reviewed September 6, 2026

FAQ

Is this the same as PocketGuard-style safe to spend?+

No. Different math and different language. We estimate what’s left of your paycheck after posted spend in this period.

Will connecting Auto match this number?+

If your inputs match Auto’s period income, carry-in, and posted spend, the shape matches. Live Auto also reviews imports so you stay in control.