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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

3 days

until first ANZ pay

First ANZ pay expected Wed, 27 May 2026.

Monthly baseline

$1,700.16

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

first pay Wed, 27 May 2026

ANZ role is active. First salary pay is due Wed, 27 May 2026.

Expected pay

$2,426

per fortnight

Fixed ANZ pay baseline now in use

Protected saving

$485.20

20% of future pay

Kept out of purchase decisions

Spend + fuel

$450

per fortnight

$300 Everyday 1 (Spending) + $150 Flex Saver (Car)

Savings rule

20%

Protected from purchase checks

Spend cap

$300

Per-pay Everyday 1 (Spending) allowance

Petrol cap

$150

Per-pay Flex Saver (Car) allowance

Loan route

$500

Per-pay loan amount from Bills

Fortnight breakdown

$1,242

$792 bills + $450 spend/fuel

Monthly breakdown

$2,675

$1,700 bills + $975 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: - $500

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

$63,076

estimated yearly

Annualised from your live fortnight pay basis

Fortnight pay

$2,426

expected net

First ANZ pay due Wed, 27 May 2026

Protected saving

$485.20

20% per pay

Purchase checks cannot use all of it

Flexible spend

$300

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.

20 May to 02 June

+$200 variance

Upcoming bills

$833

Recurring bills that need cover from this paycheck.

Other fortnight costs

$450

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

Everyday 2 (Bills) target

$1,033

$833 core bills + $200 buffer so there is backup if something goes wrong.

Fortnight total: $1,283Takeaway after bills buffer: $1,393ubank (Savings): leftover after fixed payday routingGrowth Saver (Emergency Fund): manual top-up when safe

Where payday goes

Per-pay routing summary from your $2,426 payday.

Routed

Cash withdrawal

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

Everyday 2 (Bills)
Direct bills + safety buffer$1,033
Everyday 1 (Spending)
Everyday spending$300
Flex Saver (Car)
Petrol / car use$150
Cash out
Cash withdrawal$300
ubank (Savings)
Leftover after payday routing$643

This routing follows what is actually due in the current pay cycle, so heavier and lighter fortnights will adjust automatically.

Total routed$2,426

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

Savings leftover$643

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 cadenceFortnightly

Your bills and payday routing both use $500 per paycheck for the loan, with optional extra payments logged on the loan page.

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

$1,242

2 weeks
Direct bills$792
Spend + fuel$450
Pay basis$2,426
Pay basis
Planned outgoings

Monthly plan

$2,675

30 days
Recurring bills$1,700
Spend + petrol$975
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

Wed, 27 May 2026

Full-time role is live. First salary paycheck lands Wed, 27 May 2026.

Move-out mode

$2,080

Starter rent baseline at $520/wk before utilities.

Protected cash

$485.20

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

Decision rule

Check first

Large purchases run through affordability before moving money.