Check advance repayments and bills by date

Put your pay, advance payments and bills on their dates. Find the first cash gap, even if the plan ends with cash left.

By Rung Editorial · October 19, 2026

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Your cash and dates

Fictional example. Include the dates and amounts for your own plan.

Start date

End date

Cash available at the start ($)Cash you can still use on the start date. Do not add an advance again if this cash already includes it.

Take-home pay ($)After taxes and ordinary deductions. Mark any advance already taken from this amount below.

Payday

Pay is available before payments leave on that same day. If unsure, leave this unchecked.

Advance repayments

Enter the full amount due, including charges collected with it. Mark an amount already taken from the pay above so it is not subtracted twice.

Separately billed charges

Add the full plan bill or another fee here only if it is not included in an advance repayment above.

Bills and basic costs

Add food, travel and other needs on their dates. This check does not repeat entries automatically.

Your entries stay in this page’s memory. Reloading starts the fictional example again. No values are added to the URL or saved.

The tool has not loaded yet

No result is shown. Read the fictional example and method below if the calculator cannot load.

A positive ending can hide an earlier gap

This check adds money on the dates entered. Payments count before same-day pay unless you confirm the pay is available first. It does not add another advance, invent an overdraft or arrange a bill change.

Count a payroll deduction once

In a fictional example, normal take-home pay is $1,200 and payroll takes $204 for an advance. The deposit is $996. Enter $1,200 with the $204 repayment still due, or enter $996 and mark that repayment as already taken out. Both leave $996 before other bills.

A separate $6 plan bill still counts when due. The tool cannot confirm which charges a service includes in a debit.

If cash first runs short before payday

Start with that bill and date. Compare a later bill date and check any extra payment during the change. Keep using current dates until the biller confirms.

Use the longer payday timeline to include more than one paycheck. Review pending payments and plan cancellation if you already took an advance.

Method and limits

Start with opening cash. Add the entered paycheck, then subtract repayments, separate charges and bills in date order. A repayment marked already deducted is listed but not subtracted again. The first negative balance gives the first short date. The lowest balance gives the largest gap.

Each row happens once. The tool supports up to 5 repayments, 5 separate charges and 12 bills over no more than 366 days. It does not predict income, fees, account balance, overdrafts, provider action, credit or eligibility. Include all needs for the period checked.

CFPB bill-date worksheet · GAO fintech report. Examples are fictional.