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A sample paycheck-first budget: what to set aside before your next payday, and which upcoming paydays come up short.
Monthly income
$4,000.00
Monthly expenses
$3,945.00
Set aside before payday
$1,065.00
9 days until payday
Next payday
Nov 1st, 2026
Set aside before Nov 1st, 2026
| Bill | Set aside |
|---|---|
| Car payment · due Oct 18th, 2026 | $400.00 |
| Streaming · due Oct 20th, 2026 | $45.00 |
| Phone · due Oct 24th, 2026 | $70.00 |
| Daycare | $550.00 |
| Total to set aside | $1,065.00 |
Forecast — the next 6 paydays
You're $280.00 short on Nov 1st, 2026.
| Payday | Paycheck | Set aside | Left over |
|---|---|---|---|
| Nov 1st, 2026 | $2,000.00 | $2,280.00 | − $280.00 |
| Nov 15th, 2026 | $2,000.00 | $1,065.00 | $935.00 |
| Dec 1st, 2026 | $2,000.00 | $2,280.00 | − $280.00 |
| Dec 15th, 2026 | $2,000.00 | $1,065.00 | $935.00 |
| Jan 1st, 2027 | $2,000.00 | $2,280.00 | − $280.00 |
| Jan 15th, 2027 | $2,000.00 | $1,065.00 | $935.00 |
Sinking funds — saving for the big, irregular bills
Car insurance
$450.00 of $1,200.00
$75.00
/ paycheck
by Mar 22nd, 2027
Holiday gifts
$300.00 of $900.00
$50.00
/ paycheck
$100.00/mo
Finent works out what to set aside from each paycheck so the money's ready when the bill lands.
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