The kitchen is due on the 5th.
Salaries are paid on the 10th.

Two people in work, two salaries and savings for the renovation. But is the money there on the day the bill is due?

See how the plan changes when you move one payment to after payday.

Try the change

The figures are fictional. Looking at the example doesn’t start your free period.

A person moves a marker on a calendar and plans the kitchen payment.

Change the date.
See what’s left.

Same income, same costs.
Only the kitchen payment date changes.

When do you pay for the kitchen?

5 NovemberKitchen payment
−€6,000
10 NovemberTwo salaries come in
+€3,700

You can pay for the kitchen, but that leaves €7,150. That’s €350 below the €7,500 you want to keep.

€350 below your reserve

Lowest point in these three months€7,150

5 November · after the kitchen payment

Money in your accountYour reserve: €7,500Original schedule

November 2026 – January 2027

Total cost of the work€14,500

End of January€13,050

These two amounts stay the same. A later payment changes when the money leaves, not what the work costs.

The example assumes the later date was agreed at no extra charge. For your own project, check the terms with your contractor.

What’s in this plan?

Money and everyday commitments

In the account on 1 November: €24,000
Salary 1every 10th: €1,800
Salary 2every 10th: €1,900
Living costsevery 2nd: €1,700
Home loanevery 4th: €650
Car insurance and registration3 November: €500

Renovating part of the apartment

Building work2 November: €8,000
Kitchen5 or 11 November: €6,000
Cleaning and moving27 November: €500
Total: €14,500

This example uses a reserve of €7,500. Living costs exclude the loan and the yearly car insurance and registration. In your own plan, you choose how much you want to keep. Here only part of the apartment is being done up, not a full renovation.

The work cost
€400 more. Now what?

Instead of the planned €8,000, the invoice came to €8,400. Record the actual invoice and see how much you still need to carry on.

Enter your new balance too, and the rest of the plan starts from the money you actually have.

Lowest point in the new plan€6,7505 November · after the kitchen

How did we get this figure?

This part continues the original schedule, with the kitchen paid on 5 November. At the end of 3 November, the plan shows €13,800 and the actual balance is €13,400. The invoice for the work explains the €400 difference. From that balance we count only future payments, so the work already paid isn’t taken off again.

A person checks a paid invoice for the building work, next to material samples and a project folder.

Now try it
with your own numbers.

Enter your money, costs and loan. Check what changes when you move a payment or choose another way to repay.

Start a free plan

Without an account, you can plan for 24 hours. Registering gives you a 7-day trial with full access, no card needed. To continue after that, request a package: payments aren’t open yet, and during testing an administrator grants it.

Another decision you can tryEqual or decreasing payments?

See the difference in repayments and in what’s left over.

Compare with an example

The kitchen is due on the 5th.Salaries are paid on the 10th.

Change the date.See what’s left.