Your bank balance is not the same as the amount you can safely spend.
Some of that money already belongs to rent, utilities, food, travel, debt payments or the savings target you promised yourself you would protect. The useful number is what remains after those commitments.
The new Money Decoded Safe-to-Spend Calculator does that calculation for you. Enter the money available now, any income due before payday, the costs still to come and the number of days left. It gives you:
• the amount that is genuinely uncommitted;
• a practical daily spending guide; and
• a clear warning when the plan is tight or falls short.
It is free, takes about two minutes and does not require a bank connection. Your figures stay in your browser.
Try the free calculator:
https://money-decoded-safe-to-spend.neilcraig07.chatgpt.site
If the result shows that you need a fuller system, the UK Budget Planner brings monthly and annual budgets, bills, expenses, savings and debt tracking together in Google Sheets, Excel and printable PDF for £5.99:
https://payhip.com/b/Jr8nq
Educational information only. Results depend on the figures entered.