How many paydays until your goal?
See how many paydays you have left before any date and how much to save each time.
Your paydays
Payday breakdown
How Paydays Until works
Paydays Until counts the number of times you'll get paid between now and a date you choose. Enter your next payday and how often you're paid, pick a target date, and you'll see exactly how many paydays stand between you and that date — plus how much to set aside each time if you're saving towards something.
Saving towards a goal
If you're saving for something specific, add a savings target. Paydays Until works out how much you need to put aside each payday to reach it, taking into account anything you've already saved.
- Target amount — the total you want to have by your target date
- Existing savings — anything you've already put aside towards it
- Paydays remaining — how many times you'll be paid before that date
- Required savings per payday — what's left to save, divided across those paydays
Weekly, fortnightly, four-weekly and monthly pay
Not all pay frequencies are the same, and it's easy to mix them up.
- Weekly pay — every 7 days
- Fortnightly pay — every 14 days. This is not the same as being paid twice a month
- Four-weekly pay — every 28 days. This is not the same as monthly pay
- Monthly pay — once a calendar month, usually on a fixed date, the last day of the month, the last working day, or the last Friday
Because 28 days doesn't divide evenly into a year, four-weekly pay usually works out at 13 payments a year rather than 12. Fortnightly pay works out at 26 payments a year. Mixing these up with monthly pay is a common source of confusion when planning savings.
Explore calculators by pay frequency
Prefer a calculator set up for a specific situation? These pages include the same calculator with context for each pay frequency.
Popular things people save for
Paydays Until doesn't offer financial advice — it simply helps you see the maths behind a savings goal you've already set.
Frequently asked questions
How many paydays are left until Christmas?
It depends on how often you're paid. Enter your next payday and pay frequency, then use the Christmas quick-select button to set 25 December as your target date.
What's the difference between fortnightly and four-weekly pay?
Fortnightly pay happens every 14 days, giving 26 paydays a year. Four-weekly pay happens every 28 days, giving 13 paydays a year. They're often confused with twice-monthly or monthly pay, but the intervals are fixed in days, not calendar months.
Does the calculator count payday if it falls on my target date?
By default, yes. You can change this under More options if you'd rather it wasn't counted.
What if payday falls on a weekend?
By default, Paydays Until keeps the original date. Under More options you can choose to move weekend paydays to the previous Friday or the next Monday instead.
Can I use this if I'm paid monthly?
Yes. Choose Monthly, then tell us whether you're paid on the same date each month, the last day of the month, the last working day, or the last Friday.
How does the savings calculation work?
Enter a savings target and Paydays Until divides the amount left to save by the number of paydays before your target date. Add what you've already saved to reduce the amount still needed.
Does Paydays Until store my financial information?
No. Every calculation runs in your browser and nothing you enter is sent anywhere or stored. See our Privacy Policy for details.