Before the Bill — Payday Savings Planner for Irregular Bills

Plan irregular bills using the paydays actually left. A fictional £240 bill needs £80 when only three eligible paydays remain; spreading it over twelve would give the wrong short-term plan.

Set your next payday and frequency, add up to 40 bills/goals, enter money already reserved, and see equal per-payday requests alongside your chosen savings budget. Flags overdue goals, dates with no eligible payday and plans that exceed the budget you entered. Supports monthly, weekly, every two weeks and every four weeks.

One ZIP includes an offline HTML planner and start guide. Extract it and open in desktop Chrome or Edge. GBP only; personal use by one household. Local browser saving, editable JSON backup, CSV snapshot and browser print/save as PDF. Keep your own private backups.

No bank connection, payment automation, interest calculation, spreadsheet subscription or guaranteed savings. This is a planning aid for personal organisation, not individual financial advice. Check dates and affordability yourself. Preview shows fictional data. Original AI-assisted code, design and copy. Download help via your receipt; applicable consumer rights remain unaffected.