For people who pay their cards in full
CashWizard treats your checking account as the place your card bills land. It forecasts the balance on every day ahead, from paychecks, statement payments, bills and transfers, so autopay always clears and idle cash goes to work.
Three cards with three closing dates means three different payments hitting checking each month, and none of them are the same amount twice.
One big month on a card and the payment could pull checking below zero before your next paycheck lands.
Without a forecast, the safe move is a fat buffer in checking, earning nothing while a high-yield savings account sits a click away.
Connect your bank to detect them automatically, or enter them by hand in a few minutes. Bank connection is optional.
Your running balance, day by day. When a card statement publishes, its estimate updates to the actual pay-in-full amount.
Pick the lowest balance you are comfortable with. Your forecast shows your lowest upcoming balance, so anything above the floor is cash you can save or invest.
If you put everything on cards and pay in full, your checking account is a clearing account. Here's how to predict each statement before it lands, time autopay around payday, and stop guessing.
Rules of thumb like "one month of expenses" ignore when your bills actually land. Here's a simple formula based on your real cash flow, and how to find the cash that's safe to move.
Use a second checking account and split direct deposit to separate fixed bills from everyday spending so bills always clear.