What's left of your paycheck = take-home for the current pay period + carry-in − spending that has posted since payday.
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 in the middle of a pay period who wants a yes or no before they spend.
The formula
what's left = take-home for this period + carry-in − posted spend in this period
| Input | Meaning |
|---|---|
| Take-home | Net paycheck for the period that contains today |
| Carry-in | Amount rolled from the last period. Use 0 if there is none, or this is your first period |
| Posted spend | Purchases that have posted since this period started. Pending charges stay out |
The period starts on payday and ends the day before the next payday. It should contain today.
How to estimate what's left of your paycheck
- Pick how often you are paid and enter one payday. The page shows the current pay period and the days left, including today.
- Enter take-home for this period, carry-in, and spending that has posted since payday.
- Read what's left of your paycheck and the per-day pace. The per-day number is a pace, not a limit.
What’s left of your paycheck
Same math Budgey Auto uses live. You enter the numbers.
What’s left of your paycheck
-
Estimate only. Budgey Auto updates this from your real money when you connect.
- Manual estimate only. It does not sync bank
- Posted spend in the period containing today (payday to the day before the next payday)
- 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. What's left of your paycheck is $1,322.17.
What this number leaves out
- This is a manual estimator. It does not sync your bank.
- It matches Auto's top number: income plus carry-in minus posted spend. It does not invent rules for pending charges.
- It is not "Unassigned from your paycheck" (the plan review number: take-home minus the category plan).
- Weekly, every two weeks, twice a month, and monthly schedules differ. You pick the period that contains today. Auto reads the period from real deposits.
Some months have a third payday. The three-paycheck months calculator lists them from one payday. Want to plan bills per check? Use the paycheck bill planner.
Connect your bank
Want this live from real money? Connect your bank in Budgey. We build your budget from your paycheck and keep what's left updated.
Core is $5/mo or $20/yr with live bank sync for 1 bank. Auto from real money runs on Core. Plus is $10/mo or $100/yr for 2 or more banks.
By Ed Richards. Last reviewed October 8, 2026.
Ed Richards is the founder of Budgey. He's a software engineer with 11 years of experience and a single dad who built Budgey to see what's actually left of each paycheck.