Paycheque-based budgeting
What is a budget calendar?
A budget calendar maps income and expenses to their expected dates instead of treating the month as one total. It can help identify a week where bills arrive before payday even when the overall monthly budget appears positive.
How the safe-to-spend estimate works
FundPath takes the projected balance on today’s date—or the first day when viewing another month—then subtracts expenses scheduled before the next income event and your chosen safety buffer. A positive result is not financial advice or permission to spend; it is a planning estimate based entirely on what you entered.
Plan with conservative numbers
- Enter take-home income rather than gross income.
- Place bills on the earliest date they may be withdrawn.
- Use realistic estimates for groceries, transportation and variable expenses.
- Keep a safety buffer for timing differences and unexpected costs.
- Update the calendar whenever an amount or due date changes.