A balanced budget can still run £500 short.
£2,400 comes in. £2,400 goes out. But in this example, the bills arrive before the pay. The monthly total hides the days when the money runs out.
Same amounts. Same income. Test what moving one bill does.
Find the tight days.
Tap any date. Figures in cells are closing balances.
Tinted days dip below zero. Underlined dates are official bank holidays. Income is counted after outgoings on the same day, so the low is deliberately conservative.
Put your own dates in.
All amounts below are fictional. Replace them with your own recurring plan. An amount of zero disables a row. Nothing is saved automatically.
Each row repeats monthly. Day 31 becomes the last day in shorter months. Choose a date rule only if it matches your arrangement. These are your assumptions, not a guarantee of how a bank or employer pays.
Which bill date needs the least buffer?
Try every nominal day for one outgoing. Each result reruns the full 12 months with all other rows fixed. The amount shown is extra opening cash needed to avoid a negative balance.
Outlined tiles tie for the best result. The underline marks the current date. Tap a tile to try it. A date change is only a scenario until the payee agrees; no payment is changed by this page.
Keep the whole plan.
Inspect the payment schedule
| Actual date | Payment | Signed GBP | Nominal date | Date rule |
|---|