Paycheck bill splitter
Add your bills (amount and due day), your take-home pay per check and one payday. The splitter assigns each bill to the paycheck that arrives before it is due, for the next 3 months.
The rule the splitter uses
A bill is paid from the most recent paycheck that arrives on or before its due date. That's the safe rule: you never count on money that hasn't landed yet. When a check comes up short (often the one that has to pay rent), you have three fixes, in order of ease:
- Carry money forward. Leave part of the check before in checking.
- Move a due date. Most card issuers, utilities and many car lenders let you pick a due date. Moving one bill by a week can balance two checks.
- Split a big bill. Set aside half of rent from each check into a separate account.
Here's a worked example with a $1,850 take-home check and seven common bills:
| Payday | Bills this check covers (due date) | Bills | Left from $1,850 |
|---|---|---|---|
| Fri, Oct 23 | Rent (Nov 1) | $1,350 | $500 |
| Fri, Nov 6 | — | $0 | $1,850 |
| Fri, Nov 20 | Rent (Dec 1) | $1,350 | $500 |
| Fri, Dec 4 | — | $0 | $1,850 |
| Fri, Dec 18 | — | $0 | $1,850 |
Each bill is paid from the most recent paycheck on or before its due date. Highlighted rows go negative and need money moved from the check before.
The full method is in how to split bills between paychecks.
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Frequently asked questions
What if a bill is due on the 31st?
In shorter months the splitter treats it as due on the last day of the month.
Is my data saved or sent anywhere?
No. The splitter runs entirely in your browser and nothing is stored.
Can it handle 3-paycheck months?
Yes. In a 3-paycheck month the third check usually has few or no bills assigned, which shows you how much is free.