💚 Let's Get You Back on Track
Build a free recovery plan, track payments, and return each week. No bank information required.
1. Your money
Enter groceries, gas and other essentials here. Add dated recurring bills separately below so the roadmap can reserve money for them before allocating overdue payments.
2. All your bills — enter each once
Add each bill once. Enter its usual payment, next due date, and how much you are already behind. Put $0 if you are current. The planner automatically includes overdue amounts in your recovery roadmap.
If a bill has an urgent shutoff, eviction or repossession notice, enter its deadline and minimum amount needed below. This tool cannot guarantee a provider will accept partial payments.
3. Generate your plan
Optional: override a future paycheck amount (for overtime or a shorter workweek). Changes rebuild the roadmap. Balanced mode: protects upcoming bills using actual paydays and due dates, then allocates safe surplus to overdue balances. Future income is a forecast, not a guarantee. Each regular bill occurrence is counted once.
Things changed? Update your income, cash available, due dates, or overdue balances, then build your Catch-Up Plan again anytime.
Your entries and completed paychecks save on this device. Cloud sync works only after account setup and sign-in. Do not enter account numbers or other sensitive identifiers.
Your paycheck-by-paycheck roadmap
$0
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Next paycheck
Full paycheck-by-paycheck roadmap
Expand any paycheck to see what to reserve, what to pay, and why. Plans are estimates, not payment guarantees.