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Use calculator Payday cashflow calculator
Subtract upcoming bills, see the net cash left per day and view a dated runway to payday. No bank connection, account or sign-up required.
The ClearTill Journal
Money, made a little clearer.
Useful, plain-English guides to bills, payday and everyday spending—written for real life, not a perfect spreadsheet.
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Guides for everyday money
How much can I spend before payday? Work it out in 60 seconds
Work out exactly what you can spend before payday with one piece of arithmetic: balance minus bills still to come out. No bank connection needed.
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Why your bank balance is not always what you can spend
Your current balance is only the starting point. Learn how bills and costs still due before payday change the amount likely to remain.
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Why use a money app without connecting your bank?
Understand why some people prefer a manually controlled money app, what they gain by avoiding a bank connection and what extra work that choice involves.
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Budgeting with irregular income when payday isn't a fixed date
Learn a practical way to budget between irregular payments, invoices or shifts by calculating what remains after bills due before the next reliable income date.
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Budgeting Without Open Banking: A Practical UK Guide
A practical way to plan bills and everyday spending without connecting a bank account, sharing transaction history or relying on automatic categories.
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Put the guides into practice
See what's actually clear to spend before you're paid.
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