Budget Availability Scheduler
Calculate your daily "safe-to-spend" limit. Break down monthly income into manageable daily allowances to prevent overspending.
About
A common pitfall in personal finance is the "payday illusion", where a monthly lump sum creates a false sense of abundance. This often leads to overspending in the first week of the month, followed by a "scarcity week" before the next paycheck. This scheduler combats that behavior by artificially imposing a daily spending cap. By calculating exactly how much Disposable Income is available per 24-hour cycle, it forces a shift in perspective from "I have $3,000" to "I have $45 for today." This granular approach helps users manage immediate gratification impulses and ensures that fixed expenses and savings goals are mathematically secured before discretionary spending occurs.
Formulas
The calculation first isolates Discretionary Income (D) by subtracting commitments from net income (I).
This amount is then divided by the remaining days in the period (n) to find the Daily Safe Limit (L).
Reference Data
| Net Income ($) | Fixed Costs | Savings Goal | Days/Month | Safe Daily Spend |
|---|---|---|---|---|
| 2,000 | 1,200 | 200 | 30 | 20.00 |
| 3,000 | 1,500 | 500 | 30 | 33.33 |
| 4,000 | 2,000 | 800 | 30 | 40.00 |
| 5,000 | 2,500 | 1,000 | 30 | 50.00 |
| 6,000 | 3,000 | 1,500 | 30 | 50.00 |
| 7,500 | 3,500 | 2,000 | 30 | 66.67 |
| 10,000 | 4,000 | 3,000 | 30 | 100.00 |
| 2,000 | 1,800 | 100 | 30 | 3.33 (Crisis) |