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Rich on day 1, stop guessing by day 20

Salary day makes your bank balance look bigger than it is — Day20 sets aside rent, bills, and SIPs on day one so you still know what is genuinely yours to spend on the twentieth

Get started See how a paycheck splits ↓

Takes two minutes — no bank passwords or account linking

September 2026
Sep 12
Safe to spend
₹40,200
After bills & SIPs
Left for next month
₹78,600
Rolls into Oct 1
Take-home salary
₹1,42,000
Bills & rent
₹57,500
Investments
₹30,000
Everyday spent
₹14,300
House rent
Bills & rent · Paid Sep 3
₹32,000
Paid
Index fund SIP
Investments · Paid Sep 10
₹20,000
Paid
Emergency cushion
Investments · Due Sep 15
₹10,000
Upcoming
Showing 3 of 6 monthly items · ₹17,000 still coming out

What you do not spend rolls cleanly into next month

Stop restarting from zero on the first of every month — whatever stays unspent builds next month's cushion while your SIPs stay on track

August 2026
Closed
Last month's cushion ₹18,900
Take-home salary +₹1,42,000
Bills & rent −₹57,500
Investments −₹30,000
Everyday spending −₹35,000
Left for September ₹38,400
Carries into Sep 1 →
September 2026
This month
Last month's cushion ₹38,400
Take-home salary +₹1,42,000
Bills & rent −₹57,500
Investments −₹30,000
Everyday spent −₹14,300
Left for October ₹78,600
₹40,200 safe to spend →
October 2026
Next month
Last month's cushion ₹78,600
Take-home salary +₹1,42,000
Bills & rent −₹57,500
Investments (+₹5,000 step-up) −₹35,000
Everyday spending ₹0
Projected after bills & SIPs ₹1,28,100
₹49,500 fresh paycheck room

Step up SIPs when your pay grows, pause one tight month without guilt

Raise your monthly SIP after an appraisal or pause a single heavy wedding month while every closed past month stays untouched

Appraisal ready

Schedule a ₹5,000 SIP increase starting October without rewriting August or September

Tight-month friendly

Pause one month when travel or family expenses spike and resume automatically next month

Index fund SIP
Investments · Auto-debit on the 10th
₹20,000 / mo
Stepping up to ₹25,000 in Oct
Progress across scheduled horizon 100% on schedule
6 months unbroken · ₹1,40,000 across Aug – Jan
Apr – Sep 2026
Paid on the 10th of every month
₹20,000 / mo
6 months completed
From October 2026
Stepped up after annual appraisal
₹25,000 / mo
Scheduled (+₹5,000)
Heavy wedding or travel month
Pause Emergency cushion (₹10,000) for one month — past months stay untouched
₹0 that month
One-tap pause
Ask Day20
Can I book a ₹24,000 Gokarna trip this month without skipping my SIP?
Yes — your ₹20,000 Index fund SIP is already paid and ₹17,000 is set aside for your emergency cushion and remaining September bills. Booking the ₹24,000 trip leaves ₹16,200 safe to spend for the rest of September and still carries ₹54,600 into October.
Before trip
₹40,200
After ₹24,000 trip
₹16,200 · SIP untouched
Ask if a trip, upgrade, or higher SIP fits

Check a weekend trip before you book it

Ask plain questions about flights, gadgets, or dinners and get exact rupee answers based on your real bills and SIP dates

Watch your bank cushion and investments grow side by side

Instead of end-of-month guesswork, see six months of month-end cushion alongside ₹2,00,000 in unbroken SIP and emergency contributions

Month-end cushion outlook Aug 2026 – Jan 2027
Aug
Sep
Oct
Nov
Dec
Jan
Aug ₹38,400
Sep (now) ₹78,600
Oct ₹1,28,100
Nov ₹1,77,600
Dec ₹2,27,100
Jan ₹2,76,600
₹2,00,000 invested across 6 months · 0 skipped months