Your split. Your bills. Two different gaps.

When the bills do not fit the percentages

Changing a ratio cannot create income. If entered essentials exceed the entire paycheck, this check says so separately from an allocation gap. It does not suggest cuts, move funds, prioritize debts or promise a savings result.

You name the categories and mark which ones cover essentials. Enter each bill once with its due date. Before-period and later bills are shown as excluded, so you can review them rather than mistake this for a full cash-flow calendar.

What the purchase includes

One browser tool for one USD paycheck scenario at a time: up to 20 categories and 100 essential bills. Percentages accept two decimal places and must total exactly 100.00%. Integer-cent rounding keeps the allocation total equal to the paycheck.

Save a completed scenario on your device, download editable JSON backups, restore with a preview, export CSV, or print. A standalone HTML download runs offline in a current browser. Bring your figures with a JSON backup; the offline app starts blank.

Your entered figures are processed locally. No bank connection, account creation, financial-data analytics or third-party scripts in the tool. Local storage and downloaded files are not encrypted. Shared-device users may see them.

Do you need to pay for this?

No. A calculator and the free CFPB tools can show an income shortfall. Goodbudget has a free plan, and Vertex42 has a free personal-use spreadsheet. Those may suit you better.

Paycheck Split Check costs $5 for this particular choose, compare and export workflow. It is not a financial method or a replacement for a full budget app. There are no customer savings, speed or sales results to report for this tool.

Does a positive number mean I can spend it?

No. Both comparisons depend on your entries. All unentered expenses and existing balances are excluded. Missing bill amounts block the check; explicitly confirming no bills retains a warning.

What happens after payment?

Stripe redirects you to the tool and its offline download. Bookmark the delivery page and save the HTML and a JSON backup. Delivery uses an unlisted link, not an authenticated account. Contact support with your order identifier if you lose it.

What if it is not useful?

Request a full refund within 30 days of purchase at hello@moneyyoureowed.com. Include your order identifier. No budget screenshots or financial documents required, including after download or use.

The Percentage Plan: Paycheck Split Check

Keep your chosen split with the bill check.

$5 USD once

One tool, offline HTML, JSON restore, CSV and print. Personal-use license. No renewal or paid tiers.

Payment handled by Stripe. Seller: Aussie-AI Ltd trading as Money You're Owed. This tool provides arithmetic, not financial advice. Seek qualified help for decisions beyond the worksheet.