Float
Pay cycle budgeting
A budget works best when it starts on the day your money arrives. If you are paid weekly or fortnightly, that is rarely the first of the month.
Sneak peek: sample numbers you can change. Nothing is saved unless you turn on guest mode.
Fortnight, 19 Oct to 1 Nov
$0.00
$1,420.00 in, minus $1,358.00 bills and $62.00 BNPL
1 deal ends soon
- Mobile plan, ends in 4 days (Fri, 23 Oct)$39.00
Check the price before it rolls over, then update the amount here once you know the new one.
Where it goes
Fortnight, 19 Oct to 1 Nov
Income
Pay landing in this window
+$1,420.00
Wages
Thu, 22 Oct, fortnightly
$1,420.00
Bills due
Biggest first
-$1,358.00
Rent
Mon, 19 Oct, weekly
$620.00Rent
Mon, 26 Oct, weekly
$620.00Internet
Sun, 25 Oct, monthly
$79.00Mobile plan
Sat, 24 Oct, monthly
Deal ends in 4 days
$39.00$55.00save $16.00
Afterpay and BNPL
Instalments and plans
-$62.00
Afterpay
Wed, 21 Oct, fortnightly
$62.00
Coming soon
Float accounts and sync across your devices
Everything above is free to use now. Saving to an account is not available yet. Join the waitlist and I will email you when it opens.
Why monthly budgets slip
Rent, bills and instalments each have their own dates. When your pay does not line up with the calendar month, some periods look fine and others come up short.
The bill bucket method
List every bill, work out its cost per pay, and set that amount aside each payday. What remains is yours to spend until the next pay.
Try it
The tool below is Float, set to a fortnight. Change the sample numbers to your own.
Questions
What is a pay cycle budget?
A plan that runs from one payday to the next, rather than from the first to the last day of the month.
Does it work if my pay changes?
Yes. Update the amount each payday and the rest follows.
What if I have more than one job?
Add each income with its own date and repeat. Float counts whatever lands in the period you are looking at.
Not affiliated with Afterpay or any buy now pay later provider.