A household calendar with violet tabs and pictorial bill slips.

Payment dates

Starting balance

Use a balance from one clear point in time. Including a payment already in that balance would count it twice.

Cash-flow timeline ↗

Money in

Use the date funds are expected to be usable, not simply the date on a payslip. Arrival is not verified here.

Cash-flow timeline ↗

Money out

Enter the expected debit date. A bill's due date and the day money leaves an account may differ.

Cash-flow timeline ↗

Same-day timing

The timeline shows a separate before-income balance for that possibility. It cannot establish the bank's transaction order.

Cash-flow timeline ↗

Low point

Look at the lowest balance as well as the closing balance. A positive month-end figure does not settle earlier shortfalls.

Cash-flow timeline ↗

Changing dates

Revise the entries when the underlying arrangement changes. This page does not reschedule or pay a bill.

Cash-flow timeline ↗
Private figuresLinked sourcesYour pace

Timing changes things

A bill leaves

The balance falls on that date.

Pay arrives later

The later receipt does not erase the earlier gap.

Place both dates in the timeline ↗

Cash-flow timeline

Start with the available balance before the first date. Add expected cash in and out; leave names, account numbers and restricted benefits out of the entries.

Editable examples
Dated entries
Your figures stay on this pageCFPB · US · Cash-flow timing ↗

Look again

Use a balance from one clear point in time. Including a payment already in that balance would count it twice.

What is available before these entries? ↗

Carry it forward

Dates easier to follow?

PaycheckAid organises your figures. It does not determine benefit eligibility, tax, credit suitability or the right financial choice for you.