Income and spending, by period
Budget from payday to payday, not by the calendar.
If the 1st of the month isn’t your payday, your budget shouldn’t run on it. Ceres starts every period on the day your salary lands and tracks income, spending and what’s left within it.
First full period free · No card required
How it works
- 01
Pick your payday
The period starts that day and runs to the next payday. Even if a weekend moves the salary earlier, the period doesn’t shift.
- 02
Fixed costs come off first
Rent, fees, bills, installments and subscriptions come off as locked items; your savings goal is set aside.
- 03
Know it every day
What’s left is split over the days left, so every entry shows what you can safely spend today.
The details
Safe to spend today
Your remaining budget is split over the remaining days; overspend one day and the next days’ share adjusts on its own.
Income counts too
Extra income besides your salary lands in the period, so period income and your savings rate tell the truth.
Period-end forecast
With Premium, today’s pace is stretched to the end of the period, so you see an overspend before it happens.
No bank connection
Entries come in by hand, from a receipt or from a statement; Ceres never asks for your bank password.
Questions, answered
My salary arrives on a different day each month. What happens?
You pick your payday once; if a weekend or holiday moves the salary earlier, the period still starts on the same day. Paydays like the 29th–31st move to the last day of shorter months.
How is this different from a monthly budget?
When your salary lands mid-month, “left this month” is misleading. When the period starts on payday, the budget left and the safe-to-spend amount show the money you really have.
Is it free?
Yes. Periods, budgets, income and spending tracking and the safe daily amount are in the Free plan. The period-end forecast and Ceres notes are part of Premium.
More features
All features →- Budget and goalsFixed costs and your savings goal come off first; the rest is split across the days. A car, a home, a trip: see when your goal comes true.See the feature →
- Subscriptions and recurring paymentsRent, bills, installments and subscriptions on one calendar. Catches price hikes and reminds you before payday, by notification or in your phone’s calendar.See the feature →
- Ceres AIA personal finance assistant at your side. Ask about your spending; the answer comes from your own data, with charts, not generic advice.See the feature →
- GuideHow to budget from payday to paydayBuild your budget around your payday instead of the calendar month: set fixed costs and savings aside first, split the rest across the days, then close the period and adjust.Read →