Paycheck-by-Paycheck Budget Calendar

BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Donkley.ai//Paycheck Budget Calendar//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Paycheck Budget Plan
X-WR-TIMEZONE:America/Denver
BEGIN:VEVENT
UID:overview-20250701@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250701
DTEND;VALUE=DATE:20250702
SUMMARY:Budget plan overview
DESCRIPTION:PAY SCHEDULE\n
 Every other Friday (biweekly) starting Jul 11\, 2025.\n
 Paydays: Jul 11\, Jul 25\, Aug 8\, Aug 22\, Sep 5\, Sep 19.\n
 Amount used: $1\,620.00 take-home per check.\n
 Pay dates are not shifted for weekends or holidays.\n
 Employers often pay the business day before a holiday.\n
 \n
 WINDOW\n
 Jul 1\, 2025 through Sep 30\, 2025 (3 full months).\n
 \n
 TOTALS FOR THE WINDOW\n
 Total income: $9\,720.00 (6 checks x $1\,620.00).\n
 Total bills incl. savings: $8\,064.00.\n
 - Paid from paychecks: $6\,691.00\n
 - Covered by current funds: $1\,373.00\n
 Difference (income minus all bills): $1\,656.00.\n
 \n
 SHORT PAYCHECKS\n
 - Jul 25 check: SHORT by $40.00\n
 - Aug 22 check: SHORT by $40.00\n
 Why: Rent ($1\,350.00) plus groceries\, gas\, and savings\n
  ($310.00) is $1\,660.00\, which is $40.00 more than one check.\n
 Rent cannot move to the earlier check because it does not fit there.\n
 Options: set aside $40.00 from the previous check (Jul 11 has\n
  $758.00 left\; Aug 8 has $260.00 left)\, ask your landlord about\n
  a different due date\, or trim flexible spending that period.\n
 \n
 COVERED BY CURRENT FUNDS\n
 - Rent $1\,350.00 due Jul 1\n
 - Streaming $23.00 due Jul 5\n
 No paycheck in this plan lands 2 days before these dates.\n
 \n
 BALANCING MOVES (to earlier checks\, still before pay-by dates)\n
 - Internet (Jul 28) and Streaming (Aug 5): moved to Jul 11\n
 - Car insurance\, Phone\, Internet (Aug) and Streaming (Sep 5):\n
  moved to Aug 8\n
 \n
 ASSUMPTIONS\n
 - Electric is planned at $110.00 (you said about $110).\n
 - Groceries\, gas\, and $75.00 savings are set aside from every\n
  check and have no due-date events.\n
 - The bill count in each payday title includes groceries\, gas\,\n
  and savings.\n
 - Safety buffer: pay each bill at least 2 days before it is due.\n
 - Reminders: 9:00 AM local time the day before each due date.\n
 - Car insurance ($498.00) is due Aug 30. The next 6-month payment\n
  falls outside this window.\n
 - Rent due Oct 1 is outside this window. Plan ahead for it.\n
 - Events are all-day. The calendar is set to America/Denver.\n
 \n
 This is a general budgeting tool\, not financial advice. Check amounts
  and due dates against your actual statements.\n
 \n
 Made by a Donkley AI worker. AI can make mistakes\; please review
  before you rely on it.
TRANSP:TRANSPARENT
END:VEVENT
BEGIN:VEVENT
UID:pay-20250711@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250711
DTEND;VALUE=DATE:20250712
SUMMARY:Payday: $1\,620.00 - pay 8 bills\, $758.00 left
DESCRIPTION:Paycheck: $1\,620.00\n
 \n
 Set aside from this check:\n
 - Car payment: $289.00 (due Jul 15\, pay by Jul 13)\n
 - Electric: $110.00 est. (due Jul 20\, pay by Jul 18)\n
 - Phone: $70.00 (due Jul 24\, pay by Jul 22)\n
 - Internet: $60.00 (due Jul 28\, pay by Jul 26) - moved here\n
 - Streaming: $23.00 (due Aug 5\, pay by Aug 3) - moved here\n
 - Groceries: $175.00\n
 - Gas: $60.00\n
 - Savings: $75.00\n
 \n
 Assigned total: $862.00\n
 Left over: $758.00\n
 \n
 Tip: The Jul 25 check is short by $40.00. Consider holding $40.00
  of this leftover for rent due Aug 1.
TRANSP:TRANSPARENT
END:VEVENT
BEGIN:VEVENT
UID:pay-20250725@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250725
DTEND;VALUE=DATE:20250726
SUMMARY:Payday: SHORT $40.00 - review plan
DESCRIPTION:Paycheck: $1\,620.00\n
 \n
 Set aside from this check:\n
 - Rent: $1\,350.00 (due Aug 1\, pay by Jul 30)\n
 - Groceries: $175.00\n
 - Gas: $60.00\n
 - Savings: $75.00\n
 \n
 Assigned total: $1\,660.00\n
 SHORT by $40.00\n
 \n
 Internet and Streaming were already moved to the Jul 11 check.\n
 Rent is too large to fit on the Jul 11 check.\n
 Options: use $40.00 held back from the Jul 11 check ($758.00
  left)\, ask your landlord about a different due date\, or trim
  flexible spending such as groceries or gas this period.
TRANSP:TRANSPARENT
END:VEVENT
BEGIN:VEVENT
UID:pay-20250808@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250808
DTEND;VALUE=DATE:20250809
SUMMARY:Payday: $1\,620.00 - pay 9 bills\, $260.00 left
DESCRIPTION:Paycheck: $1\,620.00\n
 \n
 Set aside from this check:\n
 - Car payment: $289.00 (due Aug 15\, pay by Aug 13)\n
 - Electric: $110.00 est. (due Aug 20\, pay by Aug 18)\n
 - Phone: $70.00 (due Aug 24\, pay by Aug 22) - moved here\n
 - Internet: $60.00 (due Aug 28\, pay by Aug 26) - moved here\n
 - Car insurance: $498.00 (due Aug 30\, pay by Aug 28) - moved here\n
 - Streaming: $23.00 (due Sep 5\, pay by Sep 3) - moved here\n
 - Groceries: $175.00\n
 - Gas: $60.00\n
 - Savings: $75.00\n
 \n
 Assigned total: $1\,360.00\n
 Left over: $260.00\n
 \n
 Tip: The Aug 22 check is short by $40.00. Consider holding $40.00
  of this leftover for rent due Sep 1.
TRANSP:TRANSPARENT
END:VEVENT
BEGIN:VEVENT
UID:pay-20250822@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250822
DTEND;VALUE=DATE:20250823
SUMMARY:Payday: SHORT $40.00 - review plan
DESCRIPTION:Paycheck: $1\,620.00\n
 \n
 Set aside from this check:\n
 - Rent: $1\,350.00 (due Sep 1\, pay by Aug 30)\n
 - Groceries: $175.00\n
 - Gas: $60.00\n
 - Savings: $75.00\n
 \n
 Assigned total: $1\,660.00\n
 SHORT by $40.00\n
 \n
 Phone\, Internet\, Car insurance\, and Streaming were already moved
  to the Aug 8 check.\n
 Rent is too large to fit on the Aug 8 check.\n
 Options: use $40.00 held back from the Aug 8 check ($260.00
  left)\, ask your landlord about a different due date\, or trim
  flexible spending such as groceries or gas this period.
TRANSP:TRANSPARENT
END:VEVENT
BEGIN:VEVENT
UID:pay-20250905@donkley.ai
DTSTAMP:20250701T150000Z
DTSTART;VALUE=DATE:20250905
DTEND;VALUE=DATE:20250906
SUMMARY:Payday: