Free tool
Forget the monthly budget — plan each paycheck on its own. Every check covers its bills, its spending, and its savings before the next one lands.
Bills due before the next check
Bills due before the next check
Savings rate: 0% of take-home
Two paycheck panels and a monthly rollup on one sheet — the budget-by-paycheck method, ready to fill in every payday.
No spam — unsubscribe anytime. We'll send occasional Worth updates.
Monthly budgets quietly assume all your money arrives at once. It doesn't — and the rent that's due on the 1st can't wait for the check on the 15th. Assigning each bill to the check that precedes it kills the mid-month cash crunch that wrecks otherwise good budgets.
The “left unassigned” number should read $0. Not because you spent everything — because every dollar got a job: bills, spending, or savings. If it's negative, a bill needs to move to the other check or the spending line needs a haircut.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
Start free trial