Free calculator
How much can I spend a day?
Take your pay, set your savings aside, and subtract loan repayments or other liabilities. Spread what's left over the days until payday. No sign-up, nothing saved.
How the daily budget is worked out
Daily budget = (take-home pay − savings − liabilities) ÷ days until your next payday, with a minimum of zero. Enter each liability's payment for the selected month or week, rather than the total outstanding debt. Monthly pay uses an average 30-day month here; in the app, Spenday counts the real days to your payday.
Why a daily number works
- A day is short enough to feel. A month isn't, so it's easy to overspend in week one and only notice in week three.
- Savings come off the top, so staying under today's number means your savings are already protected.
- Each day starts fresh. One bad day doesn't wreck the plan; it just shows up on your calendar.
Let Spenday keep the number for you
Spenday works this out for you every day and shows how much is left on a live gauge, with no bank login and no account needed.