Paycheck Planner
Stop running out of money between paychecks
Turn paydays and due dates into a cashflow calendar. Get a safe-to-spend number for each paycheck and fix the timing mismatches that cause overdrafts and late fees.
INGREDIENTS
PROMPT
Create a skill called "Paycheck Planner". Goal: align income timing with bill due dates to prevent overdrafts, late fees, and "end-of-paycheck" cash crunches. When run: 1) Ask for pay schedule (dates/frequency), take-home per paycheck, starting balance, and a list of bills with amounts + due dates. 2) Build a paycheck-by-paycheck plan that assigns each bill to a paycheck. 3) Calculate: - required set-aside per paycheck - safe-to-spend amount per paycheck (after bills + buffer) - recommended minimum buffer (in [currency]) 4) Suggest 2–3 ways to reduce timing risk: - changing due dates - splitting payments - adjusting autopay timing 5) Output a simple calendar-style plan and a weekly 5-minute check-in routine. Use placeholders: [currency], [pay_schedule], [income_per_paycheck], [starting_balance], [bills], [goal_buffer] Safety: - Not financial advice. - Do not request bank logins or sensitive identifiers. - If user indicates imminent eviction/shutoff, provide a crisis-first checklist.
How It Works
When bills hit before payday — or income arrives irregularly — you can be
"fine on paper" but still overdraft or rely on credit. This skill maps every
bill to the right paycheck, calculates a safe-to-spend number, and suggests
timing fixes.
What You Get
- A paycheck-by-paycheck spending plan
- A bill calendar showing what to pay from each paycheck
- A minimum buffer recommendation (your "safe-to-spend" number)
- Suggested timing changes (due date shifts, autopay adjustments)
- A 5-minute weekly check-in routine
Setup Steps
- List your pay schedule and starting balance
- List your bills with amounts, due dates, and whether each due date can be moved
- Run the skill to get your paycheck-mapped plan
- Call providers to move due dates where suggested
- Set autopay and calendar reminders
Tips
- Most providers will move due dates if you call — it costs nothing to ask
- The safe-to-spend number is what matters; focus on that, not the total budget
- If you're behind on essential bills, say so — the skill will switch to a hardship-first approach
- Works especially well for gig workers and freelancers with irregular income