Know Your Real Balance
What is ECP?
Your bank balance looks fine — but can you actually spend it? ECP tells you what’s really yours after every bill that hits before your next paycheck.
The ECP Formula
Liquid Today
Your real bank balance right now
−
Upcoming Bills
Every obligation due before next payday
=
Your ECP
What you can actually spend
📋 Real Example
Checking account balance
$2,997.00
Rent due before payday (Jun 1)
− $950.00
Electric bill due before payday
− $235.00
Next payday
Jun 3
Your ECP — what you can actually spend
$1,812.00
Only spending accounts count
Savings and emergency funds are excluded so they don’t inflate your number. ECP only counts money you can actually use.
Updates in real time
Reschedule a bill? Confirm a payment? ECP recalculates instantly so your number is always current.
Includes credit & loans
Minimum payments on credit cards and loans due before payday are automatically factored in — no surprises.