Enter today's balance
Use the amount you can see in the account now.
Free cash-position worksheet
Work out what your bank balance still has to cover before payday
Your bank balance shows what is in the account. It does not show what is already spoken for. Use the free ClearTill spreadsheet and Bank Balance Reset guide to subtract the bills and one-off costs still ahead of you.
- No bank login
- No Open Banking
- You control the numbers
Cash position before paydayOne payday cycle
Balance in the accountEnter yours
Bills still due− total
One-off costs ahead− total
Buffer you want to keep− amount
What is actually clearYour result
The one-payday calculation
Start with what is there. Subtract what is still coming.
List bills before payday
Include regular bills and subscriptions that have not cleared yet.
Add one-off costs and a buffer
Make room for known extras and the amount you prefer not to touch.
See what is actually clear
The worksheet subtracts those commitments for one payday cycle.
Manual by design
You decide what goes into the calculation.
The worksheet never connects to a bank. That keeps it transparent and under your control, but it also means you need to add every relevant cost and update the figures yourself.
The spreadsheet
A focused, one-payday check. Download it, enter your numbers and keep the file yourself. It will not carry recurring bills into the next cycle or remind you when a balance becomes stale.
ClearTill
Carries recurring bills forward, provides useful reminders and keeps your position live as you update the balance. It uses only the figures you choose to enter and still needs no bank connection.
What to include
An honest result needs an honest list.
- Regular bills: rent or mortgage, council tax, energy, insurance and subscriptions still due.
- One-off costs: travel, school costs, repairs, appointments or anything else you already expect.
- A buffer: an amount you deliberately choose not to treat as available.
- Nothing automatic: you remain responsible for keeping every number complete and current.
Keep the position live
Ready to move beyond a one-off spreadsheet?
Build your first ClearTill position free. Add the costs still ahead, see the result and keep it current for seven days without entering a card.