Financial calendar
Daily budget from income and expenses over a chosen period
The amount can be an expression: 100 000 + 5 000 − 200. The result is computed for you.
Budget left
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Debt load (DTI)
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no income data
October 2026
Past days show the actual spend against the 0,00 ₽ daily budget. Click a day to open its records.
Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.
How it is calculated
- The calendar answers the everyday question “how much can I spend a day”. The period’s income is the salary plus one-off receipts; obligatory payments are subtracted, and the remainder is divided over the days of the chosen range.
- The daily budget is one division rounded once: budget = remainder / days, straight from the exact quotient to kopecks. No “daily salary plus daily extras” with two roundings — the daily budgets add back up to the remainder.
- The period’s debt load is payments against income, payments / income * 100 — the same metric as the debt-load calculator, over the chosen dates.
- A day cell takes the actual spend — expressions like “1 500 + 300” work. Only days inside the range count as spent; the grid compares each day against the budget and highlights overspend.
Worked example
Take 1-30 August — 30 days — and an income of 90 000 ₽ with no obligatory payments: the daily budget is exactly 3 000 ₽.
Add an 18 000 ₽ loan payment and the remainder becomes 72 000 ₽, the daily budget 2 400 ₽. Write a 3 100 ₽ spend into a Monday and the cell flags a 700 ₽ overrun against the new budget.
Frequently asked questions
How does the calendar differ from the expense ledger?
The “Income and expense ledger” looks back: what went where, by article. The calendar looks forward: it sets a daily limit and tracks it cell by cell. They pair well — the ledger gives an honest spending figure, the calendar turns it into discipline.
What goes into one-off receipts and payments?
Everything irregular within the period: a bonus, a repaid loan, a sale — into receipts; rent, a loan payment, insurance — into payments. The regular salary has its own field.
Why is the daily budget flat rather than per weekday?
A flat limit is the most robust model: a day’s underspend automatically stays in the common remainder. If weekends run consistently higher, keep a couple of weekdays under the limit — the grid shows the running total.
What happens when I change the date range?
The budget recomputes from the new day count, while entered spends stay with their dates: days that fell out of the range stop counting as spent, and return when the range does.
How does the calendar relate to the 50/30/20 rule?
The rule splits the month into envelopes; the calendar runs one of them — everyday spending — day by day. Get the targets in “Budget 50/30/20” first, then bring the obligatory payments here and live by the daily limit.
Are my entries saved?
Yes — the draft autosaves after your first edit, in the browser, and into your account once signed in. The calculation exports to Excel, and the “Share” link shows the whole period’s plan to the family.
Where do big one-off costs go — a holiday, repairs, insurance?
Into the period’s obligatory payments, not into a day cell: the daily budget then honestly recomputes around them, instead of one day “burning” with a giant overrun. Day cells are for the everyday spending the limit is meant to hold.