Check Planner

For people paid weekly or every other week

See the short paycheck weeks before it gets here.

Every check has a different pile of bills due before the next one. Check Planner matches each bill to the check that has to cover it and looks 12 checks ahead, so you find out in October that January's check might come up short.

Check Planner is in a private beta right now.

Notify me when it opens Try it with your paycheck
  • Private beta
  • No bank login
  • Set up in a few minutes

Most budgeting apps assume you get paid on the same days every month.

You don't. You get paid every Friday, or every other Thursday, and your bills don't line up with either. A month can look fine on paper while one check inside it can't cover what's due.

The short check you don't see coming

The mortgage and the car insurance land on the same check, and you find out on payday.

Bills that blur together

Twice-a-year and yearly bills sit quiet for months, then hit all at once.

Redoing the spreadsheet every payday

Every time someone asks "can we cover it?", you do the math again by hand.

See the short check before it gets here

"Your 11/20 check is short $590," named weeks ahead, not on payday, while there's still time to move a bill.

Every check, not just this one

Leftover money carries forward, so a good check covers a tight one. You see the next 12 checks the way your bank will.

Set it up once and it just works

Add your pay and your bills. No bank login, no categories, no budgeting homework.

Try it

Put in a paycheck. See the next 6 checks.

Sample bills: rent, a car payment, utilities, a credit card and a six-month car insurance bill, plus $150 a week to live on. Watch the running total: a check's leftover carries into the next one. Nothing you type here is saved.

$500$6,000
Paid

Tap a check to see which bills it covers.

Current check
Your 10/23 check is covered.
+$400.00 leftover on that check
$2,400.00 income, $1,700.00 in bills and $300.00 living money. Biggest bill: Rent ($1,500.00) on Nov 1.
Heads up: your 11/20 check is short (4 weeks away): -$590.00 balance.
Paycheck Income Bills Living Leftover Running total
Fri, Oct 23 Current $1,700.00 still owed $2,400.00 $1,700.00 $300.00 +$400.00 $400.00
Oct 25 Credit card $200.00
Nov 1 Rent $1,500.00
Oct 23 to Nov 5 $2,400.00 − $1,700.00 − $300.00 = $400.00
Fri, Nov 6 3 bills $2,400.00 $626.60 $300.00 +$1,473.40 $1,873.40
Nov 10 Car payment $389.00
Nov 14 Phone $95.00
Nov 18 Electric $142.60
Nov 6 to Nov 19 $2,400.00 − $626.60 − $300.00 = $1,473.40
Fri, Nov 20 4 bills $2,400.00 $2,690.00 $300.00 -$590.00 $1,283.40
Nov 20 Internet $70.00
Nov 25 Credit card $200.00
Dec 1 Car insurance $920.00
Dec 1 Rent $1,500.00
Nov 20 to Dec 3 $2,400.00 − $2,690.00 − $300.00 = -$590.00
Fri, Dec 4 2 bills $2,400.00 $484.00 $300.00 +$1,616.00 $2,899.40
Dec 10 Car payment $389.00
Dec 14 Phone $95.00
Dec 4 to Dec 17 $2,400.00 − $484.00 − $300.00 = $1,616.00
Fri, Dec 18 3 bills $2,400.00 $412.60 $300.00 +$1,687.40 $4,586.80
Dec 18 Electric $142.60
Dec 20 Internet $70.00
Dec 25 Credit card $200.00
Dec 18 to Dec 31 $2,400.00 − $412.60 − $300.00 = $1,687.40
Fri, Jan 1 3 bills $2,400.00 $1,984.00 $300.00 +$116.00 $4,702.80
Jan 1 Rent $1,500.00
Jan 10 Car payment $389.00
Jan 14 Phone $95.00
Jan 1 to Jan 14 $2,400.00 − $1,984.00 − $300.00 = $116.00

How it works

Three steps. Then it keeps looking ahead.

  1. 1

    Add how you're paid

    Weekly or every two weeks, one recent payday, and what a check usually brings home.

  2. 2

    Add your bills

    Payee, due day and amount. Monthly, every few months, or once a year.

  3. 3

    See every check

    What each of the next 12 checks has left after its bills, with the first short one called out at the top. Short check? Move a bill to a different paycheck and watch every number update.

"I get paid every two weeks, and I was tired of using spreadsheets to try to forecast which bills were going to be on which checks. So I built the thing I wanted, an automated system that forecasts everything for me."

Mike, creator of Check Planner

Pricing

Private beta. Free when it opens.

Every feature, no credit card. If that ever changes, you'll hear about it well ahead of time.

  • 12 checks ahead, with the short one called out
  • Monthly, every-few-months and yearly bills
  • Optional cash on hand for a real running balance
  • Move a bill to another check
  • Delete your account and data any time

Questions, answered.

Do I have to link my bank?

No. There is no bank connection at all. You type your bills in once, and nothing reads your accounts.

What if I'm paid twice a month or monthly?

Check Planner is built for weekly and every-other-week pay, where checks don't line up with the calendar. If you're paid on the 1st and 15th and want to use the site, let us know.

What about bills that aren't monthly?

Bills can repeat monthly, every few months (quarterly, twice a year) or once a year. Each one lands on the check it's due before.

Can I move a bill to a different paycheck?

Yes. If a check comes up short, move a bill to another check with the pencil beside its date. The due date stays the same, and one click puts it back where it started.

What if one paycheck is different?

Change the income for any single check, and the forecast and running total update right away.

Can I forecast my real balance?

Yes, if you want. Enter what's in checking now and every check gets a running balance. Leave it blank and the forecast still works.

Can my partner see it?

Not yet. Each account is for one person today. Sharing is on the list.

Is my data private, and can I delete it?

Your bills stay in your account and are never sold. "Delete my account" in Settings removes you and everything you entered. See the privacy policy.

Is this financial advice?

No. It's a planning tool, and it's only as good as what you enter. Always check your own bank balance before you pay a bill.

Find the short check while there's still time to fix it.

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Private beta. No credit card, no bank login.