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Checking session

Hello Bailey

ANZ full-time modeNew control centre active

Your money game plan

This view puts the highest-value decisions first: current pay, upcoming bills, savings protection, loan rhythm and purchase control.

Current phase

Active

salary mode on

You're already in the ANZ role, so the dashboard is no longer in transition mode.

Monthly baseline

$1,366.82

known recurring costs

Bills to keep covered first

Move-out lens

$520/wk

rent planning baseline

Use as the early affordability test

Mode

Full-time ANZ

salary mode live

ANZ fixed-pay mode is active and the dashboard is using salary planning.

Expected pay

$2,418

per fortnight

Fixed ANZ pay baseline now in use

Protected saving

$483.67

20% of future pay

Kept out of purchase decisions

Spend + fuel

$350

per fortnight

$200 Everyday 1 (Spending) + $150 Flex Saver (Car)

Savings rule

20%

Protected from purchase checks

Spend cap

$200

Per-pay Everyday 1 (Spending) allowance

Petrol cap

$150

Per-pay Flex Saver (Car) allowance

Loan due this cycle

$0

$1,000 is still being set aside this payday for the next monthly payment

Fortnight breakdown

$1,017

$667 bills + $350 spend/fuel

Monthly breakdown

$2,125

$1,367 bills + $758 spend/fuel

Loan position

0% paid

$8,000

Current balance from a $8,000 total borrowed base.

Principal reduced: $0Total payments: $0Interest accrued: ~$0Rate: 9.0%Running: 0dNext payment: - $1,000

Loan progress snapshot

0% principal repaid
loan amounttimelinehighlow$$$StartNowleft to rightremaining principalprincipal repaid
Remaining principal
Principal repaid

Planning figures

Live ANZ pay settings, recurring costs, and planning numbers kept in one place.

Edit mode

Salary

$79,214

before tax

Current ANZ salary baseline

Take-home

$62,877

estimated yearly

Annualised from your live fortnight pay basis

Fortnight pay

$2,418

expected net

Live fixed-pay planning basis

Protected saving

$483.67

20% per pay

Purchase checks cannot use all of it

Flexible spend

$200

per fortnight

Everyday 1 (Spending) target

Fuel reserve

$150

per fortnight

Flex Saver (Car) target

Working modules

Existing features, grouped by job-to-be-done.

View tutorial

Log Income

Payday

Add pay and use the move prompt before touching your accounts.

Open module

Bills

Rules

Recurring costs, dates, priority and account routing.

Open module

Payments

Variance

Log money out or extra incoming and compare it against your cycle budget.

Open module

Loan

Debt

Balance, interest, principal split and payoff timing.

Open module

Purchase Check

Decision

Check big buys before they weaken savings.

Savings

Goals

Goals first. Surplus then goes emergency.

Stocks

Investing

ASX watchlist, portfolio and allocation.

Timeline

Calendar

Upcoming, paid, overdue and recurring entries.

Settings

Control

ANZ presets, transition settings and reminders.

Profile

Account

Name, colours, setup and access.

Upcoming this fortnight

Use Everyday 2 (Bills) as the per-pay bills buffer and keep extra room in case something lands unexpectedly.

27 May to 09 June

Pay period: 27 May to 10 June

30 days + load-ahead

Update this just before payday. Routing uses this balance and assumes you do not touch Bills money.

Bills confidence

Strong

100%

30 days covered, buffer covered, and load-ahead reserve covered.

Upcoming bills

$481

Top-up for 30-day cover plus a partial reserve for the next fortnight's bills.

Other fortnight costs

$350

Everyday 1 (Spending) and Flex Saver (Car) style per-pay usage.

Everyday 2 (Bills) target

$481

$1,783 due in 30 days + $101 load-ahead + $20 buffer, less $1,423 already in bills.

Fortnight total: $831Takeaway after bills buffer: $1,937ubank (Savings): leftover after fixed payday routingGrowth Saver (Emergency Fund): manual top-up when safe

Where payday goes

Per-pay routing summary from your $2,418 payday.

Viewing pay period (27 May to 10 June)

Routed

Cash withdrawal

Set how much cash you want to take out each paycheck.

Everyday 2 (Bills)
Direct bills + safety buffer$481
Everyday 1 (Spending)
Everyday spending$200
Flex Saver (Car)
Petrol / car use$150
Cash out
Cash withdrawal$0
ubank (Savings)
Leftover after payday routing$1,587

Bills are covered on a rolling 30-day view, then partially loaded ahead so heavier fortnights are smoothed without draining savings.

Total routed$2,418

This includes bills, spending, petrol, cash, and the leftover sent to savings.

Savings leftover$1,587

After the fixed amounts above, this is what goes into savings.

Risk radar

Purchase checkRequired

Any non-essential buy should pass the purchase checker first so protected savings and bills are not touched.

Loan cadenceMonthly on the 11th

Your loan is scheduled once a month on the 11th for $1,000. Payday routing only includes it in the fortnight where that date actually lands.

Protected savingsActive

The 20% savings rule is treated as protected cash, so purchase checks cannot freely spend it.

Planning trend preview

Based on your saved bills, pay basis and the account snapshot you update at payday. This does not rely on manual daily spend logging.

Details
Planned outgoings come from your Bills page. Fortnight shows the next pay-cycle load. Monthly shows the full recurring month. Goal pressure only appears when an active savings or long-term target needs money.

Fortnight plan

$1,017

2 weeks
Direct bills$667
Spend + fuel$350
Pay basis$2,418
Pay basis
Planned outgoings

Monthly plan

$2,125

30 days
Recurring bills$1,367
Spend + petrol$758
Goal pressureNone active
Monthly outgoings
Goal pressure

Bailey operating brief

The front page is tuned around your live ANZ pay setup, upcoming bills, protected savings, and clean money-routing decisions.

ANZ mode

Active

Full-time ANZ mode is active now.

Move-out mode

$2,080

Starter rent baseline at $520/wk before utilities.

Protected cash

$483.67

20% of every ANZ pay stays out of purchase checks.

Decision rule

Check first

Large purchases run through affordability before moving money.