Enter everything here once. Debt payoff charts and the paycheck calendar read from these numbers.
At a glance
Dashboard drives income, bills, and loan minimums. Savings pace and the health score lean on the same paycheck timeline the calendar uses—badge shows whether that is optimized, a manual preview, or inputs only.
Guided setup — no account required.
Inputs
Cash flow
Monthly in—
Monthly out—
Cash excess / mo—
Debt
Total$0
Minimums / mo$0
Interest / mo (est.)$0
Extra to debt (monthly average)—
—
Invest
Portfolio
$0
Investment transfers (monthly average)
—
Savings
Emergency fund balance
—
Savings transfers (monthly average)
—
Your numbers
One place to edit everything: debts, assets (checking, emergency fund, investments), income, internal transfers, and monthly bills for the paycheck calendar. It all saves in this browser.
Debts
Each card is a loan: balance, rate, minimum, and planned extra principal. Due day and payment amount also feed Monthly bills and the calendar.
Assets
Checking, emergency fund, and long-term investments. Expected yield stays in sync with the investment return slider on the Debt payoff view.
Checking
Planner keeps projected checking at or above this after each deposit through that pay window (never below $0).
Emergency fund
Investments
Est. growth / mo$0
Cash flow & calendar
Income, transfers from checking, and bills (including loan lines). Planner can open this same block in a side panel.
Income
Recurring pay here (biweekly, monthly, etc.). One-off income is listed under One-time events at the bottom.
Internal transfers
From checking into savings (including emergency fund) or investments. Paused while an optimized paycheck plan is active.
Monthly bills
Loan payments are listed first from your Debts cards (minimum + extra; due day editable here or on the loan). Below that, add rent, utilities, subscriptions, and other expenses — each can repeat monthly, weekly, or biweekly. One-off bills live in One-time events below.
One-time events
One-off income and bills stay out of the main cards. Open Manage to view, edit, remove, or add them.
Data stays in this browser. On Planner, use Edit inputs to open this same block in a side panel.
Clear stored data
Permanently remove everything saved in this browser for planner.cash: loans, dashboard fields, income and bills, internal transfers, savings goals, paid-event flags, plan checkpoints, and any applied paycheck optimization. This cannot be undone.
Debt payoff
Long-range projections and tables from your Dashboard loans plus the budget controls below.
Add your first loan
Add at least one loan on the Dashboard to see charts and payoff detail.
Total debt
—
—
Loan pay (scheduled)
—
+ extra cash available
Debt-free in
—
with selected strategy
Net worth at horizon
—
—
Portfolio & debt over time
Net worth projection
Portfolio minus remaining debt, month by month
Debt payoff waterfall
Remaining balance per loan over time
Cumulative interest paid
Total interest accumulated across all loans
Investment portfolio
Portfolio value growing over time
Strategy comparison
Same loans and budget; three payoff orders side by side. Click a card to apply that strategy everywhere (charts, breakdown, and Dashboard).
Monthly budget
Extra cash available/mo $500
Investment return (annual) 7.00%
Time horizon 25 yrs
Per-loan payment detail
Month
M1
Loan overview
Loan
Original balance
Rate
Base pay/mo
Payoff date
Total interest
% of original
Net worth by strategy
All strategies — net worth over time
Same loans, same budget, different payoff order
Total interest paid
How much each strategy costs you in interest
Months to debt-free
How quickly each strategy eliminates all debt
Monthly breakdown
Month-by-month cash flow for the strategy selected on the Dashboard.
Month
Cash out
To debt
Debt remaining
To investments
Portfolio total
Inv. growth %
Net worth
How it works
Enter once, then live in Planner
Build your profile on the Dashboard, snap balances with Check in, then use Planner for the month view, paycheck timeline, and optional optimize run—same inputs everywhere.
The usual path
Most people loop these three steps. You are not maintaining two different plans—the planner always reads the same inputs.
1
Dashboard
Loans, checking, EF, income, bills, transfers. This is your source of truth.
→
2
Check in
Refresh real balances and set the plan checkpoint so the engine’s “today” matches you.
→
3
Planner
Calendar, tabs for plan and overview, insights. Apply optimized plan (Premium) writes coordinated set-asides.
Dashboard — what goes in
Four buckets cover almost everything the calendar needs.
Debts
Balance, APR, minimum, extra, due day. Feeds loan lines on the calendar and totals.
Cash & buffer
Checking balance plus a minimum buffer. The planner keeps modeled cash at or above that after deposits in a window (never below $0).
Income & bills
Recurring pay and expenses (monthly, weekly, biweekly, etc.) plus one-time events.
EF, invest, transfers
EF target (months of spend), portfolio start + yield, manual internal transfers. Transfers pause while an optimized plan is applied.
Planner — four tabs
Same row of tabs at the top of Planner. Edit inputs in the nav opens your Dashboard numbers in a side panel.
Calendar
Month grid of scheduled income, bills, loans, and plan moves. Click a line for paid/unpaid or a menu; click a day to add something.
Paycheck plan
Deposit timeline with set-asides (EF, debt extra, invest). Run Apply optimized plan here when you want the engine to fill the year.
Budget overview
Rollups of income vs fixed costs and how the active plan compares to a manual pass—sanity check before you apply.
Insights
Short health readouts and outlook tied to the same schedule (surplus, EF gap, buffer risk, etc.).
Reading the calendar
Each day shows what is scheduled and where the model thinks you land after that day. Green rows are income; red/pink are bills and loan payments; purple rows are plan set-asides.
Tue 15
Rent−$1.2k
Paycheck+$2.8k
→ EF / debt−$400
Cash end of day$1.9k
Cash is end-of-day checking after that day’s items. Same-day math is conservative: outs (bills & loans) run before income, then plan transfers—so the footer matches a “worst dip first” path. EF shows emergency fund after any modeled save to the fund that day (when shown).
After Check in, your balance is tied to the checkpoint date: earlier days in that month are not replayed as a long chain (so a paycheck from last week does not stack on top of what you typed). From the checkpoint forward, the calendar steps day by day. If you mark an older bill unpaid, that hit is still applied at the checkpoint so forward numbers stay honest.
Bills up to date
Default on: past calendar dates before real “today” count as paid unless you click a line to flip it. Off = model catch-up on older due items.
On Typical
Past lines stay settled in the model until you say otherwise.
Off Catch-up
See unpaid history; mark paid as you clear them.
Extra debt routing
Optimized plans send “extra” principal using one of these orders. Paid-off minimums roll into the next target.
Avalanche High APR first
Lowest total interest; mathematically lean.
Least interest
Slower first payoff
Snowball Small balance first
Frees whole minimums sooner; motivating early wins.
Quick wins
More interest vs avalanche
Minimum only Invest surplus
Stress-test when you only pay mins and push the rest to markets.
Portfolio grows
Debt lingers
Data stays in this browser (no sign-in here). Clear saved data wipes local state; Copy troubleshoot export grabs JSON for backup or support.
Footer Cash is projected end-of-day checking (emphasized). EF is emergency fund after any plan set-asides that day. Red / amber footers flag negative or below-cushion lows. Bills up to date is on by default (past-dated bills treated paid); turn off to model them, or click a bill/loan row to toggle individually. On the Paycheck plan tab, Apply optimized plan (1 year) (Premium) installs coordinated moves that respect your cash floor.
Paycheck-by-paycheck plan
Each card is one deposit through the day before your next deposit. Set-aside is chosen with lookahead across upcoming paychecks so a later large bill can force less savings earlier (never projecting checking below $0).
Same-day order assumes bills clear before the deposit (conservative).
Troubleshoot: copies a JSON blob (inputs + planner + timeline + fresh recompute) for support or AI. Large debt-free horizons may truncate outflow list — see engineTimeline.exportCaps.
Budget projections
Recurring income and fixed outflows from the Dashboard, shown at monthly or yearly scale. Charts reflect your active optimized plan or the manual 12‑month paycheck preview when those set-asides exist.
Cash flow mix
Share of income consumed by bills and loan payments; surplus when cash flow is positive.
Income vs fixed outflows
Gross recurring inflow compared with bills plus minimum (and planned extra) loan payments.
Surplus & goals
How surplus is used toward the emergency fund and your post-emergency-fund goal
Checking outlook
Calendar months from scheduled bills through your modeled horizon.