Will your cash last until payday?

1. Start with cash available on the opening date. Exclude money already paid away or still locked in a deposit. If the deposit payment is in this calendar, include that money in opening cash and enter the outflow once.
2. List actual cash movements. Include travel, setup costs, deposits, recurring bills, annual prepayments and take-home pay on their payment dates. Enter every repeat payment separately; the tool does not repeat a monthly line automatically.
3. Keep uncertain refunds out of available cash. An expected deposit return can be late or reduced. Include a refund only when its amount and timing are confirmed. You can test a delayed payday by changing its date and calculating again.
4. Compare the lowest balance with your chosen reserve. The ending balance alone can miss an earlier unaffordable bill. Extra starting cash raises every later balance by the same amount.

These teaching amounts use EUR as an arbitrary planning currency. They are not prices for a city or a provider. Start with 6,000 on 31 October 2026. Pay moving costs of 2,000 and a refundable deposit of 1,500 that day. Pay a 1,700 budget on 1 November and again on 1 December. The first take-home payment of 2,100 arrives on 15 December. Choose a protected reserve of 2,000.

The lowest balance is -900 on 1 December. An additional 900 before the opening date would keep this entered schedule from going negative. An additional 2,900 would keep the chosen 2,000 reserve untouched. The ending balance of 1,200 does not resolve the earlier unpaid bill. No borrowing or early deposit refund is assumed.

The moving-budget guide connects this calendar to monthly affordability. Use the moving budget worksheet for a separate aggregate estimate of costs and runway.

Balance after an event = previous balance + signed cash change
Lowest balance = minimum of opening balance and every event balance
Extra starting funds to avoid a negative balance = max(0, -lowest balance)
Extra starting funds to preserve reserve = max(0, chosen reserve - lowest balance)

The schedule is sorted by date. All negative events on a date come before positive events on that date; row order is kept within those two groups. This deliberately tests whether you can pay without relying on an income arriving earlier that same day. It does not model times of day, weekends, bank holidays, pending transactions or transfer settlement.

The planner accepts up to 100 events, calendar dates from 1900 to 9999 and money amounts with at most two decimal places. It calculates in exact hundredths of the entered planning unit and displays two decimal places. These display units do not establish a currency's settlement rules. Empty rows, invalid dates, dates before opening and amounts outside the allowed range produce an error rather than being silently omitted.

Only entered events are included. There is no automatic monthly repetition, interest, tax calculation, exchange conversion, borrowing or forecast of work and refunds. Changing an input hides the old result until you calculate again. A positive result is conditional on the amounts and dates you entered, not a promise that the move is affordable. This tool provides scenario arithmetic and no personal financial advice.

ExpatTools provides the dated ordering, reserve comparison and fictional example above. The general principle of tracking when income and expenses occur is also explained in the US Consumer Financial Protection Bureau's cash-flow budget worksheet. Its country-specific benefits guidance is outside this planner's scope.

Use your own contracts, bills and pay information for amounts and dates. When cash needs to cross currencies, compare actual recipient proceeds in the transfer quote calculator. The EU's pricing, payments and currency-conversion guidance explains relevant EU payment information and rights; this calculator does not determine legal rights or provider eligibility.