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Paycheck Allocator

Paycheck Allocator

by: edmond choi
Know which paycheck pays which bill: per-paycheck allocation plans with shortfall warnings, sinking funds, and what-if analysis. Your financial data never leaves your machine.
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What it does

Paycheck Allocator turns your income schedule and bills into a concrete,
per-paycheck allocation plan — so you know before a bill lands whether the
money will be there.

  • Per-paycheck plan: every bill assigned to the paycheck that must cover it
  • Shortfall warnings: exactly how much is missing and which period goes negative
  • Sinking funds: yearly/quarterly bills (insurance, taxes) set aside month by
    month — a $720/yr bill becomes $60/month, no more surprise lumps
  • What-if mode: "rent goes up to $1,700?" or "side gig dried up?" tested in
    seconds against your current plan
  • CSV export: the full cash-flow timeline for your own spreadsheets

Built for real income

Monthly, biweekly, weekly, and irregular (freelance/gig) pay schedules.
Multiple income sources. 9 currencies (USD, EUR, GBP, JPY, TWD, HKD, CNY,
AUD, CAD).

Example plan

Input: biweekly $2,600 paychecks, rent $1,450 on the 1st, car insurance
$720 every September, $1,500 in checking.

Output:
Paycheck Allocation Plan
Horizon: Aug 01 – Nov 01 (3 months) · USD · Buffer: $300.00

| Next paycheck | Aug 14 — Day job $2,600.00, Freelance $400.00 | | Bills before next paycheck | Rent $1,450.00 (due Aug 01), Electricity $90.00 (due Aug 12) | | Projected ending balance | $11,370.00 |

Period 1 — Aug 14 → Aug 28
Income: Day job $2,600.00 + Freelance $400.00

Bill
Due
Amount
Internet Aug 18 $60.00
Credit card Aug 25 $350.00
Reserves: Car insurance $60.00, Property tax $100.00
Ending balance: $2,390.00 ✅
Why it's trustworthy
The math is a deterministic engine, not a chatbot guessing. Same inputs → same plan, every time. Hand-check any period: income + carried balance − bills − reserves = ending balance. Ships with a 27-test suite you can run.

Who it's for
Biweekly-paid workers whose bill due dates don't line up with paydays
Freelancers and gig workers with irregular income
Anyone surprised by yearly insurance/tax lumps
Households that want a plan, not just a spending tracker
Get started
Install the skill (Hermes, Claude Code, Codex, or OpenClaw)
Tell it your paychecks and bills — it writes your config and shows the plan
Re-run any time reality changes; use what-if mode before committing
Privacy
No bank linking, no accounts, no cloud. Everything runs locally on your machine. Your financial data never leaves it.

Requires Python 3.8+ and PyYAML.


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