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Your live financial snapshot

Action needed

You’re short this cycle.

$325.00 remains uncovered even after the next paycheck. Picking up a shift or moving a bill now protects the rest of the cycle.

medium confidenceDebt records exist, but no debt-payment bill is reserved before payday; safe-to-spend may be too high if a minimum payment is due.cash manual · 0h oldUpdate cash

Cash

$450.00

Bills due

$8,355

Forecast pay

$7,580

Best pickup optionOT weekend night shift: about $567.30 net · 1 shift to close the gapBased on your current pay rules and differentials. Tap to add or model the shift.

Add shift

May 22 → Jun 4

Week math

13 active pay-period shifts

$0.00

Safe-to-spend equation

Cash reserved against bills due by Jun 4.

Safe before payday

$0.00

Cash

$450.00

Bills due

$8,355

Safe

$0.00

Cash on hand$450.00

Bills due by Jun 4$8,355

100%

Safe to spend$0.00

Projected after next paycheck-$325.00

$0$8,355 scale

Safe-to-spend traceFormula

Cash on hand+$450.00

Upcoming bills-$8,355

Safe to spend+$0.00

Next paycheck+$7,580

Projected cash-$325.00

Debt records exist, but no debt-payment bill is reserved before payday; safe-to-spend may be too high if a minimum payment is due. Cash is manually entered because bank aggregation is not connected.

See methodology and data sources

What we noticedsetup, trust, capture

0of 100

Security · Needs work

Reach 50 — 50 points away

Cash on hand

$450.00

Manual cash · less than 1 hour old

Safe to spend

$0.00

$8,355 reserved before payday

Projected cash

-$325.00

13 shifts in next paycheck

Cash on hand

$450.00

Manual balance used as the starting point for every dashboard forecast.

Cash tracesource

Manual balance+$450.00

Cash is manually entered because bank aggregation is not connected.

See methodology and data sources

Bills before payday

$8,355

3 bills counted through Jun 4; next due May 28.

Bills-before-payday tracetiming

Cash on hand+$450.00

Bills due before payday-$8,355

Cash after those bills-$7,905

Only bills with a due date on or before Jun 4 should affect this card. Mark a bill paid or change its due date on Bills to remove it from the window.

See methodology and data sources

Paycheck timing

$7,580

13 active pay-period shifts for May 22 to Jun 4.

Paycheck timing traceforecast

Cash on hand+$450.00

Next paycheck net+$7,580

Bills before payday-$8,355

Projected cash-$325.00

Safe-to-spend is $0.00 because it only reserves cash already on hand against bills due before payday. Projected cash adds the next paycheck separately.

See methodology and data sources

NEXT PAYCHECK

Details →

$7,580

net

Period May 22 → Jun 4 · 13 shifts

Gross$10,430

Taxes-$2,850

Net$7,580

FINANCIAL STABILITY

SCORE

Critical

Out of 100. Combines cash runway, debt, and bill pressure.

Upcoming bills

-$8,355

Shortfall

-$325.00

UPCOMING SHIFTS

All

2026-05-28
07:00 → 19:00 · 12h
planned
$299.46
2026-05-30
07:00 → 19:00 · 12h
planned
$506.82
2026-05-31
19:00 → 07:00 · 12h
planned
$515.46
↓ Next pay cycle
$3,277 upcoming net this cycle·$2,426 next
2026-06-05
07:00 → 19:00 · 12h
planned
$627.78
2026-06-06
19:00 → 07:00 · 12h
planned
$1,292

BILLS BEFORE PAYDAY

All

1 overdue

Due before payday

$8,355

May 28

Judge Demo Gap: rent catch-up

$6,860

Jun 1

Rent

$1,450

Jun 1

Gym

$45.00

May 28
Judge Demo Gap: rent catch-up
housing
$6,860
Jun 1
Rent
housing
$1,450
Jun 1
Gym
subscriptions
$45.00

SAVED VIABILITY SCENARIOS

Open viability →

33012 · FL

Staying in Miami (current)

+$617.13

/ mo

Viable · COL $4,199

Re-analyze →2026-05-28

97201 · OR

Moving to Portland

+$721.11

/ mo

Viable · COL $3,730

Re-analyze →2026-05-28

SMART RECOMMENDATIONS

Moving to Portland would free up $104/mo
Your best saved scenario leaves $104 more per month than "Staying in Miami (current)". Tap to see the full A-vs-B breakdown.
Compare →
Shortfall detected
You're $325 short this pay period. Consider picking up an extra shift or deferring a flexible expense.
Why
Shortfall: $325Safe to spend: $0Projected paycheck net: $7,580
View Forecast →
1 overdue bill
Mark paid or address overdue bills to improve your stability score.
Why
Overdue bills: 1
View Bills →
Only 6 days of cash runway
Your cash covers less than a week of core expenses. Preserve cash and prioritize essentials.
Why
Cash on hand: $450Monthly bills: $2,357Daily bill burn: $79
View Forecast →
Consider switching to Tight Month mode
Tight month detected: $325 shortfall this pay period, only 6 days of cash runway, stability score at 16/100. Focus on essentials and cash preservation.
Why
Current mode: normalSuggested mode: tight_monthSuggestion confidence: 73%
Change Mode →

30-Day Cash Flow

Sun

Mon

Tue

Wed

Thu

Fri

Sat

-$6,860

-$1,495

+$7,580

-$165.00

-$32.00

-$385.00

-$70.00

+$3,740

-$125.00

-$85.00

Bill cluster Payday Neutral

PAYCHECK COMPOSITION

Every dollar of your next paycheck, rolled up by source.

Paycheck breakdown

Gross is the full paycheck; the bar below splits it into take-home pay and deductions.

Gross paycheck

$10,430

$0$10,430 gross

Net take-home · 73%

Taxes and deductions · 27%

Paycheck gross

Total from backend paycheck total; this is the denominator for the composition chart.

$10,430

100% of gross

Net take-home

Expected deposit after estimated taxes and configured deductions.

$7,580

73% of gross

Taxes and deductions

Estimated withholding, tax, and deduction drag before your paycheck lands.

-$2,850

27% of gross

13 shifts includedNet after deductions: $7,580

TAX BREAKDOWN

GROSS

$10,430

Federal tax-$2,234
State tax-$0.00
FICA-$615.84
Pre-tax deductions-$0.00
Post-tax deductions-$0.00

NET

$7,580

INSIGHTS OVER TIME

Financial Trends

No snapshots yet. Take your first snapshot to start tracking trends.

SPENDING TRENDS

$383.69

+$219.49May 2026

food$142.60-$21.60
other$141.09+$141.09
transport$100.00+$100.00