Debt Engine.
Free tool
Biweekly pay

Windfall paycheck calculator

Paid every two weeks? You get 26 paychecks a year, but most monthly budgets only plan for 24. That means two “extra” checks land each year — pure firepower if you catch them. Find yours below.

Paychecks in 2026
26
Windfall checks
2
Annual windfall pool
$4,000
Your windfall paydays
  • May 30, 2026
  • October 31, 2026

On these dates, the $2,000 that lands is money your monthly budget never counted on. Sent at your highest-APR debt, it’s the fastest dollar you’ll ever pay — and once you’re debt-free, it redirects straight to retirement.

This is the calculator. Debt Engine is the plan.

A one-time number is a start. Debt Engine tracks every debt, watches your BNPL deadlines, and earmarks the two “extra” paychecks a year that actually get you to zero — then redirects them to retirement once you’re debt-free. No bank login, no signup to try it.