Under the month-end figure there is a shorter line, for example "13.54 a day until 28 November (Salary)". It answers the everyday question: how much can I spend on food, going out and everything else that is not a planned bill, until the next salary arrives?
What it counts
- The money in your accounts today.
- Plus the incomes that arrive before payday.
- Minus every bill still to pay before payday: late ones, those due before that day, and those without a due day.
- Divided by the days left until payday.
Bills due after payday are not taken away: the salary will pay them. That is why this amount can be higher than the month end divided by the days left.
Which day is payday
Xpenses picks your largest income still to come in the next 31 days, using its due day, and names it in brackets. Without one, it counts until the end of the month. To get the right date, give your salary a due day. Once you tick the salary as received, the line moves on to the next one.
When money is short
If the bills before payday add up to more than you have, the line says how much is missing instead, for example "2,075.00 short before 28 November". That is the moment to move money from savings, delay something, or check that a bill is not counted twice.
Why it changes
- Every day it is recalculated with one day fewer.
- Spending that is not in Xpenses (the supermarket, a coffee) does not appear until you add it or correct today's balance. If you only plan bills, update the balance now and then (⋯ > Edit > Balance today on the account).
- Ticking a bill does not change it: the money was already counted as gone.
It is free, on every plan. It covers accounts counted in your total; a savings account kept apart is left out (accounts). For a warning before an account goes below zero on a given day, see the low-balance warning.