Budget Until Payday: Aabot Ba Hanggang Sweldo?
Ilagay ang pera mo ngayon, ang bills bago mag-sweldo, at ang karaniwang gastos mo kada araw. Makikita mo agad ang safe na budget kada araw, kung kailan mauubos ang pera kung kulang, at kung magkano ang matitira bago dumating ang sweldo.
Nasa phone mo lang ang mga numero — walang naise-save.
Paano kinukuwenta ang daily budget
- Pera ngayon (cash, bank, e-wallet), hindi kasama ang emergency fund.
- Bawas ang bills bago mag-sweldo. Ang bill na due mismo sa araw ng sweldo, sa bagong sweldo na babayaran.
- Hatiin sa natitirang araw. ₱12,000 − ₱3,000 bills ÷ 10 araw = ₱900 kada araw para sa lahat ng iba pa.
- Mag-iwan ng cushion. Kahit 3 araw na gastos, para hindi ka mapa-utang kapag na-late ang sweldo.
Kapag kulang bago mag-sweldo
Unahin ang bawas sa extras (kain sa labas, shopping, gala). Iwasang i-credit card o i-online loan ang kulang: tingnan muna ang tunay na cost sa Loan True Cost Checker at kung legit ang app sa online loan app checker. Para sa susunod na cutoff, gumawa ng plano sa budget by salary at alamin ang totoong net mo sa take-home pay calculator.
Kapag may tira
Ilipat ang bahagi sa high-yield savings o Pag-IBIG MP2 bago pa ito magastos, at buuin ang emergency fund mo. Sa libreng Money Control Center, awtomatiko ang forecast na ito mula sa totoong balances at gastos mo.
Frequently asked questions
How do I compute my daily budget until payday?
Take the cash you have now, subtract the bills you must pay before your next sweldo, then divide by the number of days left until payday. Example: ₱12,000 cash, ₱3,000 in bills and 10 days to payday gives ₱900 a day for everything else.
Should bills due on payday itself be counted?
Usually not. A bill due on the same day your sweldo lands can be paid from the new sweldo, so this calculator only subtracts bills due before payday. Overdue bills are counted as due today.
What if the forecast says I will run short?
You will see the date cash runs out and the daily amount that still reaches payday. Cut the extras first (kain sa labas, shopping, gala), move a non-urgent bill to after payday if the biller allows it, and avoid covering the gap with a credit card or online loan, which can cost 3% a month or more.
How much should I keep as a cushion before payday?
A few days of everyday spending is a sensible minimum, so a late sweldo or a surprise expense does not push you into utang. For bigger shocks, build a separate emergency fund of 3 to 6 months of expenses.
When is payday in the Philippines?
Most employers pay twice a month: on the 15th (kinsenas) and on the last day of the month (katapusan). Some pay monthly or weekly. If your payday falls on a weekend or holiday, many companies release it the working day before.
Can PesoPilot track this for me automatically?
Yes. In the free Money Control Center, the Payday Forecast uses your real balances, your bills list and your actual spending from the Gastos Log, and updates every time you log an expense.
Educational tool only — your numbers stay on your device and are not saved. Actual bill amounts and payday dates depend on your billers and employer.
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