Daily budget number
Know what is safe to spend today
Safe to Spend divides what remains after this month's spending and unpaid bills by the number of days left in the month. It is a planning number, not a bank balance or guarantee.
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The arithmetic stays visible
Take-home pay − spending − unpaid bills ÷ days left in the month
Example: $6,000 income minus $0 spent minus $1,800 in unpaid bills leaves $4,200. With three days left, the daily number is $1,400.
Show me my numberWhy unpaid debt belongs in the picture
Required payments reduce what remains for the month.
The national debt-service ratio is not your personal number. It is a reminder that required payments can change as income, balances, and rates change.
Karat uses the unpaid bills you enter, not the national series, for your calculation.
