Free tool · no signup
Pace yourself.
Enter your monthly credit card budget, the day of the month, and what you've spent so far. Experiment with the same math Pacer uses to send you a daily SMS.
Month has 31 days. All math is local. No submission, no tracking beyond standard analytics.
hot
You're pacing $269.03 hot. Ease up.
- Remaining
- $660
- Days left
- 24
- Ideal spent so far
- $270.97
- Over ideal
- $269.03
- Dollars per remaining day
- $27.50
Want this automated?
One SMS arrives each morning. The same math runs automatically.
Pacer runs this calculation against your actual spending every day and sends you the result as a text message. The text gives you the bottom line and your spending power. When pacing slips, the text gives you the smallest fix that restores it.