Everything resets on payday: budgets, the spare figure, the pace bars. Each period runs from that day to the day before the next payday. Set it to 1 for plain calendar months. If your payday is the 29th–31st, months without that date use their last day.

Salary sacrifice cuts your tax, National Insurance and student loan. Net pay cuts tax only. Relief at source comes out of your take-home and the provider adds 20% back into the pot.

Everything below is editable in place, and every total updates as you type. Save in the top corner re-reads every field and rebuilds all the figures, if you ever want to be certain.

For a monthly subscription only the day matters — pick any date on the 17th and it means the 17th of every month. For quarterly and yearly ones, pick a real billing date so the cycle lines up.

Big once-a-year costs, spread over twelve months so they never ambush you. Enter what the whole year costs.

Mark a category Fixed when it leaves in one lump — rent, council tax, insurance. Fixed costs are held back from your daily spending figure instead of being spread across the month, so they never set off a pace warning on the 1st.