Free calculatorMethod FAQ
Can I afford this?
Check what your balance looks like after a purchase and the bills due before payday. Free, no sign-up.
Enter a price to see your balance after buying.
Estimate. It doesn't count spending you haven't planned, like groceries and gas. PennyBot works this out from your real accounts and upcoming bills.
Get this number from your real accounts
Join the waitlistHow this is calculated
balance − bills due before payday − price = balance after
balance after − buffer = above (or below) your buffer
balance after − buffer = above (or below) your buffer
Questions
Start with what's in your account, take out the bills due before your next paycheck, then the price. If what's left stays above the cushion you want to keep, the purchase fits this pay period.