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ClearMonth
A paycheck-first money planner

Know what your next paycheck needs to do.

Match bills to paydays, set aside savings, and see your estimated safe-to-spend amount before the money is gone.

One clear plan.Your entries stay in this browser unless you export or back them up. No bank login required.
$0.00Paychecks entered
$0.00All bills entered
$0.00After bills, savings & extra debt
$0.00Balances you entered

Upcoming paychecks

Your next planned deposits and what remains after assigned priorities.

Upcoming bills

Bills you've assigned to a paycheck.

Safe-to-spend is an estimate based only on the income, bills, savings goals, and extra debt payments you enter. It is not your bank balance. Set aside money for groceries, transportation, irregular expenses, and emergencies before treating the remainder as available.

Add a paycheck

Use take-home pay, after taxes and payroll deductions.

Paycheck plan

Bills are matched by the assigned paycheck date.

Add a bill or expense

Choose the paycheck you plan to use for this bill.

Your bills

Update payment status or remove an entry.

Add a debt

Track current balances, APR, and minimum payments.

Debt snapshot

A simple list of balances and planned payments.

Back up your plan

Export a JSON backup to move your data to another browser or device.

Data is stored locally in this browser using local storage. Clearing browser data may erase your plan. Export a backup regularly.

How ClearMonth works

A short guide to the planning logic.

  1. Add each expected paycheck and its take-home amount.
  2. Add bills and assign each to a paycheck date.
  3. Set savings goals and extra debt payments per paycheck.
  4. Review the safe-to-spend estimate and leave room for daily living costs.
Privacy: this standalone version does not connect to your bank or send your entries to a server. Anyone with access to this browser profile may be able to access the saved plan. This is not a secure financial account vault.

ClearMonth U.S. Edition • Version 1.0 • Planning tool only; not financial, tax, credit, or investment advice. Verify all dates and amounts before paying bills.

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