Guide
How much will I have left at month end: working it out in advance
Start from today’s balance, take off the commitments still to go out and an estimate of everyday spending for the days remaining. With €980 in your account, €310 coming up and 14 days at an average spend of €22: €362 at the end of the cycle.
Updated 9 October 2026. By Matteo De Min.
The calculation
today’s balance − upcoming fixed commitments − (average daily spend × days remaining).
“Month end” here means the day before your next payday: it is the moment the money has to have lasted until, not the last day of the calendar month.
How to estimate average daily spending
Add up your everyday spending over the last 30 days, leaving out instalments, subscriptions and exceptional expenses, and divide by 30. Example: €660 ÷ 30 = €22 a day.
An example with numbers
There are 14 days to your next payday.
| Item | Amount |
|---|---|
| Today’s balance | €980 |
| Upcoming fixed commitments | −€310 |
| Everyday spending: 14 × €22 | −€308 |
| Left at end of cycle | €362 |
If average spending rises to €30 a day, the result falls to €250. The estimate is only as good as the average it starts from: a week of unusual spending will shift it.
What not to count
Salary that hasn’t arrived yet: until it is in your account, it isn’t a balance. If you want to work out the next cycle too, do it separately, starting from the day it comes in. Don’t count uncertain refunds either.
When to recalculate
Once a week, or after an out-of-the-ordinary expense. The calculation is simple, but the numbers change every day. To have the daily figure ready-made, see how much I can spend a day.
How MoneyLeft does it
The bar on Home has three segments: what you have already spent, what is about to be charged and what you really have left. It updates with every transaction, and upcoming commitments are already subtracted. The simulator shows what would be left at the end of the cycle if you made a certain purchase today, before you make it. MoneyLeft Pro (paid subscription) adds a net worth forecast for the following twelve months, calculated on your typical variable spending, plus the instalments and subscriptions still to be paid, typical income and transactions already recorded. Forecasts are calculations on your own numbers, not financial advice.
Download MoneyLeft on the App Store