Irregular income is no reason to guess whether the money will last until payday

“Will I make it to payday?”

Today’s account balance tells you almost nothing about the 25th, when rent, insurance and an installment payment all land at once.

A wave of payments

Several charges within a day or two of each other, and the account quietly goes negative — even though “on average over the month” everything adds up.

“Can I afford this?”

There seems to be money in the account. But will it still last until the next payday if you spend it right now?

Forecast by payment waves

A month’s payments naturally cluster. We show how much you need for each wave and whether it’s enough — not just an “average balance”.

“Can I afford this?”

A hypothetical purchase is tested against the real cash-flow forecast — with a date and an amount, not by eye.

An AI assistant that doesn’t make things up

It answers with exact figures from the actual calculation, not an AI guess — the numbers come from the same engine that builds the whole forecast, with no rounding and no hallucinations.

Multiple currencies and debts

EUR, USD, crypto — each transaction at its actual rate. Debts and installments come with a schedule that doesn’t drift from reality.

Hourly income and taxes

Hourly rate, daily hours norm, tax rules by date — income doesn’t have to be one fixed salary once a month.

Private by default

No access to your cards, accounts or banking APIs. Manual entry only — your finances stay yours alone.