DueSimple
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01 — The money arrives

Your next paycheck already has a job to do.

DueSimple plans one upcoming paycheck against dated needs by timing and priority—so you can see what is covered, what is tight, and what remains before spending begins.

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  • No bank connection
  • No money movement
  • Planning result, not a guarantee
DueSimple planFictional example

Main salary · Expected Aug 7

Your next paycheck

Expected paycheck amount: 2,450.00 dollars.

Safe to spendSafe to spend amount: 0.00 dollars.after planned needs

Planned needs

By due date, then priority
NeedDueNeededAllocatedStatus
RentPriority 1 · FixedRequired amount: 1,450.00 dollars.Allocated amount: 1,450.00 dollars. Status: Funded.Funded
ChildcarePriority 1 · FixedRequired amount: 300.00 dollars.Allocated amount: 300.00 dollars. Status: Funded.Funded
ElectricityPriority 1 · FixedRequired amount: 120.00 dollars.Allocated amount: 120.00 dollars. Status: Funded.Funded
GroceriesPriority 2 · FlexibleRequired amount: 250.00 dollars.Allocated amount: 250.00 dollars. Status: Funded.Funded
Credit card minimumPriority 1 · FixedRequired amount: 75.00 dollars.Allocated amount: 75.00 dollars. Status: Funded.Funded
Car insurancePriority 1 · FixedRequired amount: 400.00 dollars.Allocated amount: 255.00 dollars. Status: Partially funded.Partially funded
Expected income
Expected income: 2,450.00 dollars.
Needed
Needed: 2,595.00 dollars.
Total allocated
Total allocated: 2,450.00 dollars.
Safe to spend
Safe to spend: 0.00 dollars.
Shortage
Shortage: 145.00 dollars.

Automatic allocation for this fictional scenario.

02 — The needs enter

Every need has a date and priority.

Rent, Childcare, Electricity, Groceries, Credit card minimum and Car insurance enter one ordered plan. The dates and priorities stay visible.

DueSimple planFictional example

Main salary · Expected Aug 7

Your next paycheck

Expected paycheck amount: 2,450.00 dollars.

Safe to spendSafe to spend amount: 0.00 dollars.after planned needs

Planned needs

By due date, then priority
NeedDueNeededAllocatedStatus
RentPriority 1 · FixedRequired amount: 1,450.00 dollars.Allocated amount: 1,450.00 dollars. Status: Funded.Funded
ChildcarePriority 1 · FixedRequired amount: 300.00 dollars.Allocated amount: 300.00 dollars. Status: Funded.Funded
ElectricityPriority 1 · FixedRequired amount: 120.00 dollars.Allocated amount: 120.00 dollars. Status: Funded.Funded
GroceriesPriority 2 · FlexibleRequired amount: 250.00 dollars.Allocated amount: 250.00 dollars. Status: Funded.Funded
Credit card minimumPriority 1 · FixedRequired amount: 75.00 dollars.Allocated amount: 75.00 dollars. Status: Funded.Funded
Car insurancePriority 1 · FixedRequired amount: 400.00 dollars.Allocated amount: 255.00 dollars. Status: Partially funded.Partially funded
Expected income
Expected income: 2,450.00 dollars.
Needed
Needed: 2,595.00 dollars.
Total allocated
Total allocated: 2,450.00 dollars.
Safe to spend
Safe to spend: 0.00 dollars.
Shortage
Shortage: 145.00 dollars.

Automatic allocation for this fictional scenario.

03 — The plan takes shape

One clear order. One reconciled result.

The fictional paycheck is allocated by due date and priority. Needed, allocated, short, and safe-to-spend amounts all come from the same calculation.

DueSimple planFictional example

Main salary · Expected Aug 7

Your next paycheck

Expected paycheck amount: 2,450.00 dollars.

Safe to spendSafe to spend amount: 0.00 dollars.after planned needs

Planned needs

By due date, then priority
NeedDueNeededAllocatedStatus
RentPriority 1 · FixedRequired amount: 1,450.00 dollars.Allocated amount: 1,450.00 dollars. Status: Funded.Funded
ChildcarePriority 1 · FixedRequired amount: 300.00 dollars.Allocated amount: 300.00 dollars. Status: Funded.Funded
ElectricityPriority 1 · FixedRequired amount: 120.00 dollars.Allocated amount: 120.00 dollars. Status: Funded.Funded
GroceriesPriority 2 · FlexibleRequired amount: 250.00 dollars.Allocated amount: 250.00 dollars. Status: Funded.Funded
Credit card minimumPriority 1 · FixedRequired amount: 75.00 dollars.Allocated amount: 75.00 dollars. Status: Funded.Funded
Car insurancePriority 1 · FixedRequired amount: 400.00 dollars.Allocated amount: 255.00 dollars. Status: Partially funded.Partially funded
Expected income
Expected income: 2,450.00 dollars.
Needed
Needed: 2,595.00 dollars.
Total allocated
Total allocated: 2,450.00 dollars.
Safe to spend
Safe to spend: 0.00 dollars.
Shortage
Shortage: 145.00 dollars.

Automatic allocation for this fictional scenario.

04 — The timing gets tight

There’s a $145.00 shortage.

The plan does not soften it: Car insurance is partially funded after the earlier dated needs. Total planned needs exceed this paycheck by $145.00.

DueSimple planFictional example

Main salary · Expected Aug 7

Your next paycheck

Expected paycheck amount: 2,450.00 dollars.

Safe to spendSafe to spend amount: 0.00 dollars.after planned needs

Planned needs

By due date, then priority
NeedDueNeededAllocatedStatus
RentPriority 1 · FixedRequired amount: 1,450.00 dollars.Allocated amount: 1,450.00 dollars. Status: Funded.Funded
ChildcarePriority 1 · FixedRequired amount: 300.00 dollars.Allocated amount: 300.00 dollars. Status: Funded.Funded
ElectricityPriority 1 · FixedRequired amount: 120.00 dollars.Allocated amount: 120.00 dollars. Status: Funded.Funded
GroceriesPriority 2 · FlexibleRequired amount: 250.00 dollars.Allocated amount: 250.00 dollars. Status: Funded.Funded
Credit card minimumPriority 1 · FixedRequired amount: 75.00 dollars.Allocated amount: 75.00 dollars. Status: Funded.Funded
Car insurancePriority 1 · FixedRequired amount: 400.00 dollars.Allocated amount: 255.00 dollars. Status: Partially funded.Partially funded
Expected income
Expected income: 2,450.00 dollars.
Needed
Needed: 2,595.00 dollars.
Total allocated
Total allocated: 2,450.00 dollars.
Safe to spend
Safe to spend: 0.00 dollars.
Shortage
Shortage: 145.00 dollars.

Automatic allocation for this fictional scenario.

Timing allocation chartAug 10Aug 12Aug 14Aug 14Aug 16Aug 20

Each step is an allocation in due-date and priority order. The final partial step is the visible shortage.

The same sequence, in text

  1. Rent. Due Aug 10. Required $1,450.00. Allocated $1,450.00. Remaining $1,000.00. Status: Funded.
  2. Childcare. Due Aug 12. Required $300.00. Allocated $300.00. Remaining $700.00. Status: Funded.
  3. Electricity. Due Aug 14. Required $120.00. Allocated $120.00. Remaining $580.00. Status: Funded.
  4. Groceries. Due Aug 14. Required $250.00. Allocated $250.00. Remaining $330.00. Status: Funded.
  5. Credit card minimum. Due Aug 16. Required $75.00. Allocated $75.00. Remaining $255.00. Status: Funded.
  6. Car insurance. Due Aug 20. Required $400.00. Allocated $255.00. Remaining $0.00. Status: Partially funded.

05 — The decision stays yours

One assumption changes. Every total follows.

In this fictional example, the user reduces Groceries by $145.00. DueSimple recalculates the same plan to a $0.00 shortage. This is an example, not advice.

DueSimple planFictional example

Main salary · Expected Aug 7

Your next paycheck

Expected paycheck amount: 2,450.00 dollars.

Safe to spendSafe to spend amount: 0.00 dollars.after planned needs

Planned needs

By due date, then priority
NeedDueNeededAllocatedStatus
RentPriority 1 · FixedRequired amount: 1,450.00 dollars.Allocated amount: 1,450.00 dollars. Status: Funded.Funded
ChildcarePriority 1 · FixedRequired amount: 300.00 dollars.Allocated amount: 300.00 dollars. Status: Funded.Funded
ElectricityPriority 1 · FixedRequired amount: 120.00 dollars.Allocated amount: 120.00 dollars. Status: Funded.Funded
GroceriesPriority 2 · FlexibleRequired amount: 105.00 dollars.Allocated amount: 105.00 dollars. Status: Funded.Funded
Credit card minimumPriority 1 · FixedRequired amount: 75.00 dollars.Allocated amount: 75.00 dollars. Status: Funded.Funded
Car insurancePriority 1 · FixedRequired amount: 400.00 dollars.Allocated amount: 400.00 dollars. Status: Funded.Funded
Expected income
Expected income: 2,450.00 dollars.
Needed
Needed: 2,450.00 dollars.
Total allocated
Total allocated: 2,450.00 dollars.
Safe to spend
Safe to spend: 0.00 dollars.
Shortage
Shortage: 0.00 dollars.

A fictional user decision reduces the Groceries allowance by $145.00; this is not advice.

One source of truth

Four views. One plan.

Overview, Matrix, Planner, and Settings do not keep competing totals. They explain the same $2,450.00 allocation from different angles.

Overview

Paycheck totals, shortages, and what remains are summarized from the current plan.

Matrix

Per-paycheck allocations keep moves, splits, and locked decisions visible without duplicating a need.

Planner

Dated needs stay ordered by timing and priority, with every partial or unfunded amount named.

Settings

Your selected planning rules shape the calculation before the same result reaches every view.

Explore connected features

Built from a household question

Forward planning began where reports stopped.

“We did not need another report about yesterday. We needed a plan for the paycheck arriving next.”
Built first for our own household
Read our story

DueSimple Core

Core is free. Not a trial.

A complete rolling paycheck plan, set to 90 days by default and configurable from 30 days to one year.

No trial. No payment card required.

See Core pricingStart free

What the plan does not hide

Planning boundaries, written plainly.

It plans. It does not bank.

DueSimple does not connect to banks, monitor transactions, hold funds, move money, or initiate payments.

Safe to spend is explained.

It is a planning result based on the dates, amounts, and rules in the plan—not a guarantee.

Access is part of the work.

Keyboard navigation, reflow, reduced motion, and text-plus-icon status cues are part of the product commitment.

Read security boundariesRead accessibility commitments

A safe place to begin

See the plan before you share a thing.

The guided demo uses fixed fictional data and accepts no personal financial information.

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