Actually safe to spend
$262
- Checking
- $2,846
- Bills before payday
- − $1,934
- Food and gas
- − $450
- Protected buffer
- − $200
Payday-based planning
You earn enough. Why are you still broke?
Stop forcing real life into a monthly budget. See what is actually safe to spend between today and your next paycheck, then roll the plan forward.
No shame. No vague monthly categories. Just the number you can use today.
What you can expect from My Business
01
Honest numbers
Every calculation starts with the cash in your account and the bills due before payday.
02
Privacy by design
Your household finances stay yours. No judgment and no public oversharing.
03
Built for real paydays
Weekly, biweekly, twice-monthly, or irregular income can be planned one check at a time.
Today → next payday
One useful number replaces the budget fog.
My Business turns your balance into a short, concrete plan. It accounts for what must leave, what daily life will cost, and what should remain untouched.
Until Friday
- 01
Enter what is real
Start with today’s balance and the exact date of your next income.
- 02
Protect what comes first
Set aside bills, essential spending, and a buffer before calling anything available.
- 03
Roll into the next check
Carry the ending balance forward and see pressure points before they become emergencies.
Choose your starting point
Start free. Go deeper when you are ready.
No subscription is required for these tools. Choose the level of structure your household needs now.
Safe-to-Spend Calculator
Free
A quick reality check for the days between now and payday.
- —Current checking balance
- —Bills due before payday
- —Allowance and buffer
Most practical
Payday Planner
$29
The complete spreadsheet for rolling your plan forward, paycheck by paycheck.
- —Reusable payday timeline
- —Automatic safe-to-spend total
- —Future paycheck planning
Financial Reset
$79
A guided reset for finding the leaks and rebuilding your household cash flow.
- —Payday planner included
- —Expense and bill audit
- —Step-by-step reset guide
Your next paycheck can feel different
Find the number you can safely spend today.
Trade embarrassment and guesswork for a clear plan from now until payday.