Overdraft Prevention
Calculate the minimum checking account balance you should maintain to avoid overdraft fees. Factor in pay timing, bills, and daily spending.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Minimum Safe Balance
$2,200.00
Recommended Buffer
$2,750.00
How to Use This Calculator
- Enter your monthly income, total monthly bills, and your largest single bill.
- Set the number of days between paychecks and your average daily variable spending.
- Review Minimum Safe Balance — keep this amount in checking at all times as your floor.
- Check Worst-Case Daily Balance to find the riskiest day in your billing cycle.
- Use Recommended Buffer to set a low-balance alert on your bank account and avoid overdraft fees.
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