End of plan
—→—
On time → delayed
Before the next deposit
A good month can still have a bad Tuesday.
Invented example · November 2026 · US dollars · Replace it with your own dates below.
Same month. Different timing.
Calculated from your scheduleA cash-timing planner that finds the smallest starting balance covering every listed bill, even when a deposit arrives late.
Lowest balance
—→—
Includes the order within each day
Extra needed at start
—→—
To keep your chosen reserve untouched
See cash gaps before bills arrive. Plan a starting cushion instead of trusting the month-end total. Only listed payments count; check bank dates. Bills precede same-day deposits.
Calculating your starting balance…
Follow the balance, not the total.
On-time depositDelayed depositReserve
Schedule, ledger and calculation
Edit your schedule
Put the dates to work
- in
- A deposit adds money.
- out
- A bill or purchase uses money.
- |
- Separates the date, direction, dollars and name.
One transaction per line: 2026-11-02 | out | 1450.00 | Rent. Up to 80 transactions. Empty the field to start with no transactions.
See every transaction
The delayed-deposit ledger
Every row shows the balance immediately after that transaction. Below-reserve rows carry a written warning.
| Date | Transaction | Change | Balance |
|---|
Why this amount is enough
A minimum you can inspect
Add every incoming and outgoing amount in date order, beginning at zero. Find the lowest running total, including zero. Subtract it from the reserve: that is the smallest nonnegative starting balance that keeps every step at or above the reserve.
The calculation uses integer cents, not rounded dollar arithmetic. A separate check searches possible starting balances by repeatedly replaying the transactions. It must find the same minimum, and one cent less must fail whenever that minimum is positive.
Run the independent replay check on your current schedule.
What the calculation assumes
- A planning calculation, not a bank balance or financial advice. Add everyday spending before relying on the totals.
- Transactions are known amounts, on calendar dates. No weekends, holidays, pending holds, fees, interest or recurring payments are inferred.
- All bills happen before all deposits on a shared date, so a same-day deposit is not assumed to cover an earlier bill.
- The starting balance and reserve apply from the first moment of the plan. Negative starting balances are not supported.
- A delayed deposit outside the plan is not silently moved back inside it. The ledger lists it as deferred.
- The page has no bank connection or telemetry. Your edits remain in memory; download the ledger before closing if you need a copy.