Lists are good for searching. Calendars are good for seeing rhythm — and for seeing what's coming. The Calendar shows your month by day: what has already happened, what is still planned, and the balance you're projected to have after each future day.

That last part is the reason to open it. The rent is on the 1st, the paycheck is on the 15th, and the question that actually matters is what's left in between.

Open it

Go to Calendar in the main nav.

The month name, the arrows, and the progress line live in the header above the grid — the same header the Dashboard uses, so moving between the two pages doesn't move the controls.

The forecast half of this page rides on Cash Coverage. If it's on for your account, you'll see the balance line, the Lowest point and Until payday tiles, and the Coming up list described below. If it isn't, you still get the day-by-day view of your transactions and plans, the Unpaid bills tile, and your unpaid bills on the grid — just no projected balances.

The balance under each day

Every day from today forward carries one figure: the cash you're projected to have after that day, once everything landing on it has landed.

Today reads $X now — the spendable cash you actually hold, not a projection.
A future day shows the projected balance. It's grey when the day is unremarkable, amber on the low point of the forecast, and red on any day the projection is below zero — the first of those days also tints the whole cell, so you can find it without reading figures.
Payday — the next day a real paycheck arrives — carries a green bar across the top of the cell.
Past days show no projection. They already happened; the transactions on them are the record.

Days beyond the forecast's 45-day horizon show nothing rather than a number. The forecast doesn't reach that far, and a blank is more honest than a confident zero.

These are the same numbers the Cash Flow page plots as a timeline — one forecast, read two ways, so the two pages can't tell you different things about the same day.

The three tiles

Above the grid:

Lowest point — the smallest balance anywhere in the forecast, the date it happens, how many days out that is, and the item that drove it there ("after Rent"). If the projection dips below zero, it turns red and carries a Shortfall badge.
Until payday — the next payday's date, how many days away it is, the cash you arrive at it with, what's due before then, and roughly how much everyday spending to expect in between.
Unpaid bills — every bill still unpaid in the month you're looking at (recurring bills, annual renewals, debt minimums and one-time bills, the same kinds the Bills page lists), plus anything already overdue whenever it was due: how many, what they total, the next two by name and date, and how many are late. "Overdue" means past its due date, the same rule the Bills page uses. When nothing is unpaid, the tile says All paid.

If you haven't told BudgetLabs which accounts count as spendable cash, the first two tiles say so and link to Cash Flow rather than showing figures projected from zero.

Bills on the grid

Unpaid one-time bills now appear on the Calendar too, as dashed chips with a small receipt mark on their due date. Tap one and you get the same editor the Bills page opens — nothing new to learn, and no need to leave the month you're looking at.

A bill you've marked paid isn't shown as a bill any more; it shows up as the transaction it became.

Coming up

Beside the grid (and instead of it on a phone — see below) is Coming up: the next 30 days as a list. Each row is a date, the item and its amount, and each day shows the balance left at the end of it, once, on its last row, so a busy day doesn't repeat the same figure on every line. Payday and the first shortfall are called out on their rows.

The rows come straight off the same forecast the grid reads, so the list and the grid can't disagree. Everyday spending — the floating categories that aren't tied to any one day — isn't listed row by row, because it would bury everything you can actually act on. It is counted in every balance, and the footer says at what daily rate.

At the top, Cash flow › takes you to the full 45-day view.

Filters

The toolbar has a chip per type — Income, Expense, Savings, Bills — and each one narrows what shows on the grid. Bills gets its own chip because a one-time bill is also an expense, and "hide expenses, keep my bills" is a thing people actually want.

Beside them, the Skipped chip shows or hides skipped occurrences — the dates you've excluded from a recurring category. Today brings you back to the current date from any view.

Your choices are remembered on that device.

Drill into a day

Tap any date to see everything on it: transactions with category and amount, projected occurrences of your recurring categories, unpaid bills, and annual renewals. You can edit or delete a transaction the same way you would from the Transactions list.

On a phone or tablet, tapping a day opens a sheet from the bottom of the screen with that day's items, its projected balance, and one Add button — rather than a side panel there's no room for. On a desktop the day opens in the panel beside the grid, as it always has.

Add from a day

Hover any day on the grid and a + appears beside the date. It asks what you're adding before it opens anything:

Income, Expense, or Savings open the transaction form already dated to that day, with the category picker narrowed to that type — so you're picking from paycheck categories, not from all of them.
Plan a bill… opens the same one-time bill form the Bills page uses, with the due date already set to the day you clicked.

Plan a bill… is offered on today and on any day ahead, and withheld on days that have already happened — a bill is something you're expecting to leave the account, and there's nothing to expect about last Tuesday. The three transaction options stay: a past day can still be recorded.

The difference is worth knowing: the first three record money that moved. A planned bill records money that hasn't — it lowers the projected balance from its due date forward, and it doesn't count as spent until you mark it paid.

On a phone there's no + — a 16px target beside a date isn't a tap target. Tap the day, then use the Add button in the sheet; it asks the same question and offers the same four answers, including withholding Plan a bill… on a past day.

Right-click a day

On a desktop, right-clicking a day (or any chip on it) opens one menu for that whole day:

Its date, at the top — the menu opens away from the cell, so it says which day it will act on.
Add, with the same four options the + offers.
On this day — every item on that date, each with its own actions. What's offered depends on what the item is: a recorded transaction gets Edit and Delete; a planned bill adds Mark as paid; an unsettled recurring occurrence adds Link existing and Skip. Skip reads Restore on an occurrence you've already skipped. An annual renewal falling on that day is listed too, marked Annual, with Edit and Delete.
Open day, which opens the day's full detail with every category group expanded.

Right-clicking a chip opens this same menu rather than a smaller one of its own, so nothing is reachable from one gesture and not the other. A day with nothing on it simply has no On this day section.

On a phone

Below 640px the Calendar opens on Coming up rather than the grid. A seven-column month on a 390px screen is a shape more than a reading, and the list answers the same questions in a form that fits.

The Agenda | Month toggle at the top switches between them, and it remembers your choice — so if you'd rather have the grid, pick Month once and it stays. Week view is offered on wider screens, where there's room for it.

Move between months

Use the arrows in the header to step backward or forward, or tap the month name to open Jump to month (the current month is marked This month). Tapping a Coming up row that falls in a later month takes the grid there with you.

What it's good for

Answering "can I afford this before payday?" without doing arithmetic.
Seeing when the month gets tight, not just whether it does.
Spotting weekend-heavy spending — Saturdays and Sundays light up across the grid.
Catching missed days you forgot to log.
Confirming a recurring transaction (rent, paycheck) actually landed when expected.

Annual and multi-year renewals

Annual events render on the Calendar grid on their real occurrence years — a 5-year CPL won't clutter every May — and tapping one opens the same editor. The full management list (sort by next renewal, see year-aware countdowns, edit or add events) lives on its own page.

See Annual Events for the full workflow: adding events, picking Yearly / multi-year intervals, linking to a budget category, and the Dashboard Apply-to-budget chip that fires in the renewal month.

What it's not

A bank feed. The forecast starts from the balances you last entered on Assets and Debt and walks your plan forward. There's no sync — update a balance when it moves, and log income and bills as they happen, and the projection stays honest.
A projection past 45 days. Look further out and the chips are still there, but the balance line stops. For the long view, use Lab → Insights.

Cash Coverage — the same forecast as a 45-day timeline, plus whether your cash covers each credit card on its due date.
Bill Reminders — where unpaid bills come from, and how to mark one paid.
Annual Events — yearly and multi-year renewals.

Calendar View