Know Exactly How Long Your Money Will Last
No more guessing. Financial Runway shows you how many days or weeks your current balance will cover, based on how you actually spend. It's like a fuel gauge for your bank account.
Join the WaitlistWhat is Financial Runway?
Think of it like the range display on your car's dashboard. Instead of kilometres of fuel remaining, Financial Runway tells you how many days (or weeks) of living expenses your current balance will cover.
PayDay looks at your real spending patterns across all your connected accounts, works out your average daily spend, and divides your current balance by that number. Simple maths, powerful insight.
Whether you get paid weekly, fortnightly, or monthly, your runway updates in real time so you always know where you stand.
Your Financial Runway
Why You'll Love It
Financial Runway gives you the clarity and confidence to make better money decisions, every single day.
Peace of Mind
Stop wondering "will I make it to payday?" One glance at your runway tells you exactly where you stand. No spreadsheets, no mental maths, no stress.
Early Warnings
When your runway drops below a threshold you set, PayDay gives you a heads up. Catch potential shortfalls days in advance so you can adjust your spending before it becomes a problem.
Plan Ahead
Got a big expense coming up? See how it would affect your runway before you spend. Make informed decisions about when to spend, when to save, and when to hold off.
Spending Awareness
Watching your runway number go up or down is a powerful motivator. It naturally encourages smarter spending without the guilt trips or rigid budgeting.
Real-Time Updates
Your runway recalculates as transactions come in. Every purchase, every deposit, every split updates your number so it always reflects reality.
Works with Your Splits
Financial Runway is built right into PayDay. It factors in your automatic splits, so your runway only counts the money that's actually available for day-to-day spending.
How It Works
Financial Runway is completely automatic. No manual tracking, no logging expenses. Just connect your accounts and let PayDay do the rest.
Tracks Your Spending
PayDay analyses your transaction history across all connected accounts. It learns your spending patterns over time, getting smarter the longer you use it.
Calculates Your Burn Rate
Using your recent spending data, PayDay calculates your average daily "burn rate." This accounts for regular expenses, recurring bills, and your typical discretionary spending.
Shows Your Runway
Your available balance divided by your daily burn rate gives you your runway. It's displayed front and centre on your dashboard, and updates every time money moves.
Who Benefits Most
Financial Runway is useful for everyone, but it's especially powerful for people whose income or expenses don't follow a neat pattern.
Freelancers and Contractors
When your income is irregular, knowing your runway is essential. See at a glance whether you need to chase up that invoice or line up the next gig. No more surprises.
Living Pay to Pay
If you're stretching your pay to the next cycle, runway helps you pace yourself. See exactly how much breathing room you have, and get a nudge if things are getting tight.
Anyone Wanting Visibility
Even if your finances are solid, having a clear "days remaining" number is incredibly satisfying. It's the simplest way to keep a pulse on your financial health without any effort.
Shift Workers
When your hours vary week to week, your pay varies too. Runway adapts to your actual balance and spending, giving you a realistic picture no matter what your roster looks like.
Students
Stretching a student allowance or part-time pay across the semester? Your runway tells you if your current spending pace is sustainable or if you need to ease off the flat whites for a bit.
Couples
When two people are spending from shared accounts, runway gives both of you the same clear picture. No awkward conversations about "how much is left" because you can both see it in real time.
Smart Runway Alerts
Financial Runway doesn't just show you a number. It actively watches out for you with smart alerts that help you stay on track.
Low Runway Warning
Get a heads up when your runway drops below the threshold you set. Catch it early, adjust, and avoid running short.
Burn Rate Spike
If your spending suddenly increases (hello, holiday season), PayDay lets you know your burn rate has jumped so you can plan accordingly.
Runway Extended
When your pay lands and your splits complete, see your runway jump up. A satisfying reminder that your system is working.
Custom Thresholds
Set your own comfort level. Whether that's 5 days, 14 days, or 30 days of runway, you decide when you want to be alerted.
Your runway has dropped to 5 days. Payday is in 8 days. Consider reducing discretionary spending this week.
Your daily burn rate jumped from $94 to $142 over the past 3 days. This is 51% above your average.
Pay detected and splits complete. Your runway just jumped from 3 days to 28 days. Nice one!
This week: avg 21 days runway. Burn rate trending down 8% vs last week. Keep it up!
Ready to See Your Runway?
Stop guessing, start knowing. Financial Runway is coming to PayDay and will give you a clear, real-time view of how long your money will last.