Start with what is in your account today. Add the income that has not arrived yet this month, take away the bills that have not been charged yet, and take away a realistic figure for day-to-day spending (food, fuel, small purchases) until the month ends. What is left is the money you will actually have when the next month starts.
Why it beats looking at your balance
Your balance on the 10th says nothing about the rent on the 28th or the insurance that renews next week. Counting what is still to come is the only way to know whether you can afford something today.
Tips
Be honest with day-to-day spending: look at what you spent last month.
Include yearly bills that fall this month (car insurance, property tax).
If the result is negative, move money from savings or postpone a payment before it happens, not after.
Frequently asked questions
What should I count as bills still to pay?
Every charge that will leave your account before the month ends and has not left yet: rent or mortgage, utilities, phone, subscriptions, insurance and loan payments.
What if my salary arrives at the end of the month?
Then it is income still to come; but if bills fall before it arrives you may go below zero for a few days even with a positive result. A day-by-day forecast shows when that happens.
How does Xpenses help with this?
Xpenses keeps your recurring bills and income, ticks them off with one tap when they are paid, and shows what you will have left at the end of every month automatically.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
Works without your bank: we never ask for your bank passwords.