THE PAYDAY PLANBudgeting
$500 left. Ten days to payday. What can you spend?
A phone bill, a grocery run and a week that’s somehow still not over. Let’s work out the numbers.
THE EVERYDAY MONEY EDIT
Browse all guides →Your money, between paydays.
Canadian money guides, free calculators and a closer look at the fees.
THE PAYDAY PLANALSO WORTH A READ
Cash apps
That “free” cash advance might still cost you.
Delivery, membership, tips: the charges a 0% headline can leave out.
Getting paid
Paid every two weeks? Some months have three paydays.
See the difference between 24, 26 and 27 paydays, and plan for the bills in between.
your balance last?Try the payday planner ↗
WORTH YOUR TIME
All guides →The bills won’t wait. Start here.
Cash apps
A $5 fee feels small. What happens when it repeats?
One fee is easy to overlook. See what a repeated pattern costs over a year.
Budgeting
The bill is due before payday. Could the date move?
What to ask your provider, how to check the first bill and a message you can adapt.
Cash apps
“Up to $500” doesn’t mean $500 on day one.
Advertised, approved and available: three numbers that mean different things.
Cash apps
Short $100 before payday? Start here.
Check the deadline, the usable amount and what repayment leaves from your next pay.
DO THE NUMBERS
All free tools →A calculator beats a guess.
FREE CALCULATOR
Can I make it to payday?
Add your balance, bills and next payday. See your daily spending limit and when money could run short.
Budget until payday calculatorFREE CALCULATOR
What will this advance cost?
Add fees, tips and memberships to compare the total cost of a cash advance in Canadian dollars.
Cash advance cost calculatorFREE CALCULATOR
When is my next payday?
Map your weekly, biweekly or monthly paydays, match them to bills and download your calendar.
Paycheque calendarFREE CALCULATOR
Would a different bill date help?
Compare your daily balance before and after moving a bill. Get a checklist to discuss the change with your provider.
Bill due-date change plannerFREE CALCULATOR
What if this fee keeps repeating?
See 3-, 6- and 12-month advance costs, count membership once a month and check what repayments leave from your income.
Repeat-advance cost calculatorBEFORE YOU SIGN UP
Full comparison →Cash apps, with the details included.
These products work differently. Start with the fees, then check how you can use the money and when you have to repay it.
| Product | Advertised limit | Cost to check | Read more |
|---|---|---|---|
 Bree | Up to $750 | $0 standard deliveryOptional costs can apply | |
 KOHO Cover | Up to $500 | Bundle from $2/monthConfirm your actual quote | |
 NotchUpRelated business | Up to $1,500 | Advertised $5 payroll route; confirm full quoteConfirm your actual quote | |
 Nyble | Up to $250 | Free Basic line; optional $11.99/month membershipConfirm your actual quote |
Sources checked November 7, 2026. Maximum amounts are subject to approval. NotchUp is a related business. How we compare.
MAKE A GOOD CATCH
All money quizzes →Money has its plot twists.
Cash app costs · 6 MIN
Can you spot the expensive advance?
Small fee. Big difference.
Take the challengePayday planning · 6 MIN
Can you make this paycheque last?
One balance. A week of plot twists.
Take the challenge
Clear answers. Working included.
We explain the terms, show the math and link to our sources. If a price depends on your quote, we say so.