Any pay frequency, one view
Weekly, biweekly, semi-monthly, monthly or irregular, all normalised to a monthly figure with the next pay date worked out for you.
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Variable income and recurring bills, modelled properly
Biweekly pay, changing hours, a bonus, and bills that repeat on their own schedules. All of it normalised so you can compare one month against another.
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What you get
Hourly and variable pay
Record hours and rate, or enter what actually arrived for a period. The forecast uses real amounts instead of an average that never happens.
Canadian benefit categories
Ready for the payments households here actually receive, so benefit income is tracked as income rather than filed under "other".
Bills you can skip or amend
Recurring rules forecast ahead without cluttering your ledger, and one occurrence can be skipped or edited without disturbing the rest.
How it works
Add your pay sources
One per job or benefit, each with its own frequency. Two earners in a household can both be tracked.
Add the bills that repeat
Rent, insurance, phone, subscriptions. Each keeps its own cadence rather than being flattened to monthly.
Confirm as they land
A forecast occurrence becomes a real transaction when you confirm it, so projections and history never double count.
Frequency is the whole problem
Biweekly pay means two months a year carry a third cheque, and every budget built on "monthly income" quietly misprices ten of them. Add shift work where hours differ week to week, benefit payments on a federal schedule, and insurance billed twice a year, and a single monthly average stops describing anything real. Normalising each source at its own frequency, and keeping what actually arrived, is what lets a forecast for next week be worth reading.
Common questions
Can it handle biweekly pay?
Yes. Biweekly is modelled as 26 payments a year rather than as a monthly amount, so the two months with a third cheque show up correctly instead of being averaged away.
What if my hours change every week?
Set an hourly rate and expected hours for the projection, then record what you were actually paid for each period. The forecast prefers the actuals once they exist.
Can I skip one month of a recurring bill?
Yes. Individual occurrences can be skipped or edited without changing the underlying rule, which is what you want for a holiday month or a one-off change in amount.
Do recurring bills post automatically?
They appear as a forecast first and become real transactions when confirmed. That keeps your ledger a record of what happened rather than what was expected.
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