Know what is safe before payday.
Viably forecasts each shift, paycheck, and bill window so variable-pay workers can answer the only question that matters this week: what can I spend without falling behind?
- No credit card
- Methodology open
- Cancel anytime
Next paycheck
Trace-ready
shifts + progressive taxes
Safe to spend
Calculated
after bills before payday
Bills due
Verified
before next deposit
Try it · 10 seconds
See your viability score before reading the rest
Enter a ZIP and a monthly gross income. We'll run the same calculation explained below and show you the number. No signup.
Built for variable pay
Every paycheck has its own gravity.
Most budgeting apps treat every dollar the same. Viably knows that the rent on the 1st and the credit card on the 22nd land in different pay cycles — and shows you precisely which paycheck pays for each.
Live · Period Caption
Always-on period awareness
Next paycheck
$1,790.48
Period May 16 → May 29 · 4 shifts
These numbers were computed live for an Austin RN profile with biweekly pay — refreshed every cycle. No screenshots.
Coverage Dot
Math becomes color
Net pay covers bills
covered
Cushion < 10% — fragile
thin
Bills exceed net pay
short
A 6-pixel dot tells you whether you'll dip into cash this cycle — before you have to think about it.
Cycle Divider
See the boundary, not just the dollars
this cycle covered · next cycle thin
Auto-Rollover
The anchor stays current.
Tell us your pay schedule once. We'll forecast every paycheck for the next 6 months — overtime, differentials, and progressive tax applied per shift. No spreadsheets.
Open methodology
We show you the math.
No "AI insights." No black box. Federal brackets, state withholding, FICA caps, additional Medicare — every number on every screen traces to a documented formula. Actual paid shifts can be compared against estimates so drift is visible instead of implied.
Read the full methodology# Single source of truth for paycheck math.
def estimate_taxes(annual_gross, filing_status, state_code,
retirement_contribution=0):
taxable = annual_gross - standard_deduction(filing_status)
federal = progressive_brackets(taxable, BRACKETS_2026)
state = state_withholding(taxable, state_code)
ss = min(annual_gross, SS_WAGE_CAP) * SS_RATE
medicare = annual_gross * MEDICARE_RATE
addl_med = max(0, annual_gross - 200_000) * 0.009
return federal + state + ss + medicare + addl_medFor who
Built for jobs where pay moves.
Nurses · PRN
Forecast every shift.
12-hour days, nights with a $4.50 differential, weekend pickups, charge bumps — every modifier modeled.
Read morePRN · Agency · Travel
Multiple jobs, one forecast.
Per-diem pickups, agency contracts, and travel assignments with different pay rules — compared side by side.
Read moreFirst responders
Plan around 24/72.
Long-cycle shifts, Kelly schedules, stipend pay, and FLSA 7(k) overtime — clean math across the rotation.
Read moreHourly · Gig
When the schedule swings.
Variable hours, two jobs, irregular paydays. Viably anchors them all to one cash-flow forecast.
Read morePricing
Free forever, or $8/mo.
The free tier is a real plan, not a 14-day teaser. Pro adds multi-workplace modelling, viability scoring, and OCR.
| What's included | Free | Pro |
|---|---|---|
| Paycheck forecast (next 6 months) | ||
| Safe-to-spend math | ||
| Bills + cycle awareness | ||
| Up to 1 workplace · 1 pay rule | ||
| Unlimited workplaces & pay rules | ||
| Multi-state tax modelling | ||
| Viability scoring (city move math) | ||
| Receipt OCR · auto-categorize | ||
| Priority support |