Part of Budget Your Salary
Cash flow planner
Safe to Spend, Until Payday.
Your cash, less bills, loan payments, what this month’s plan still needs and your emergency fund top-up.
The working
Safe to Spend, Line by Line.
On 2026-10-04, with the next salary on 2026-11-01.
Safe to Spend
Until the next salary, 2026-11-01
- Free cashYour cash, less reserves and bills due151,701
- Due before paydayBills and loan payments, before the next salary−6,460
- Gam’eya instalmentsBefore the next income−2,000
- Budget until paydayWhat this month’s plan still allows−16,558
- Saving for goalsThis month’s share of your goals−5,500
- Emergency fund top-upThis month’s share of rebuilding it−8,895
- Safe to spend112,288
The next three months
Your Cash, Month by Month.
Salary, bills, loan payments and the emergency fund top-up are already in the forecast.
Good questions
Cash Planning, Answered
What is free, what is promised, and what is coming.
What is free cash?
Cash you can spend without touching your reserves or leaving a bill unpaid.
Why isn’t safe to spend just my bank balance?
Part of your balance is already promised: bills and loan payments before payday, the rest of this month’s budget, money set aside for goals, your emergency fund’s monthly top-up, and money you hold for others.
What if my salary comes on a different day?
Safe to spend runs until your next expected income, whatever day it lands. A long gap between two salaries is covered month by month. A bill due on a Friday or Saturday can move to the Thursday before or the Sunday after.
Does it include loans and installments?
Yes. Enter a loan as its payments: the amount, the next date and how many are left. Each payment is in the forecast, and Lightning shows when it is paid off.
Is the forecast a promise?
No, it is an estimate, and Lightning marks it as one. It carries your free cash forward with what is scheduled, so a quiet month and a heavy one look different before they arrive.
Where do the bills come from?
From what you add as bills, subscriptions and loans. Lightning also spots payments that repeat about monthly and offers to track them. Bills that repeat.
Keep reading
Start with the whole picture, then the two nearest guides.
Budget Your Salary
Pay the bills first, plan each category, keep a cushion, and spend what is safe.
How Do I Build a Monthly Budget in EGP?
A plan for each category that fits your salary, and what’s left every day.
How Much Do I Need in an Emergency Fund?
Three to six months of essentials, and how to start small.
Shape what comes next
Your Answers Decide What We Build Next.
Take the 3–5 minute survey: what you track, what you skip and what you wish Lightning did.
or get news of each build
Study Your Patterns. Control Your Future.