One plain answer
Shifts, pay rules, bills, and cash collapse into a single line: safe to spend this week, or not yet.
v3 · Payday safety, made calm
Know if this week is safe before payday.
Viably turns shifts, pay rules, bills, and cash into one plain answer for variable-income workers — safe to spend, what changed, and the next move that changes the week.
- Mobile-first routes
- Pay receipts visible
- No payroll login required
Sample view
This week
Safe to spend
Private
Your real figure appears once cash, bills, shifts, and pay rules load.
What changed
Explainable
Next action
One move
TodayPayday
Independent payday-safety engine · est. 2026Deterministic math · No payroll loginv3 · Scroll to read
StatusStatus unavailable
p95 latencyStatus unavailable
Error rateStatus unavailable
EngineDeterministic
Status →Built around real shift patterns
Different schedules. One cash answer.
Nurses · PRN
Forecast every shift.
12-hour days, nights with a $4.50 differential, weekend pickups, charge bumps — every modifier modeled.
PRN · Agency · Travel
Multiple jobs, one forecast.
Per-diem pickups, agency contracts, and travel assignments with different pay rules — compared side by side.
First responders
Plan around 24/72.
Long-cycle shifts, Kelly schedules, stipend pay, and FLSA 7(k) overtime — clean math across the rotation.
Hourly · Gig
When the schedule swings.
Variable hours, two jobs, irregular paydays. Viably anchors them all to one cash-flow forecast.
01 / The product spine
Three inputs in.One answer out.
Everything on the surface points at the same question shift workers actually ask: am I safe this week, what changed, and what should I do next?
What changed
Every swing is explainable — a picked-up shift, a moved bill, a cash update. No silent math.
No payroll login
Add shifts by hand or import them. Viably never asks to connect your employer.
The next move
Not just a number — the one action that changes the week: add a shift, review a bill, update cash.
Built thumb-first
Mobile-first routes, pay receipts you can actually read, designed for a break-room glance.
Free and Pro
Start free. Upgrade when the work gets heavier.
Free forever for the basics · $8/mo Pro · 14-day trial
CapabilityFreePro
Paycheck forecast (next 6 months)
Safe-to-spend math
Bills + cycle awareness
Up to 1 workplace · 1 pay rule
Unlimited workplaces & pay rules
Multi-state tax modelling
Viability scoring (city move math)
Receipt OCR · auto-categorize
Priority support
02 / The first 30 seconds
01
Status
Open the app and the week answers itself. One figure, derived from your real inputs — never a placeholder.
02
Changes
A dropped shift, a bill that shifted earlier, a cash correction. Viably shows the cause, not just the effect.
03
Action
One concrete move that changes the outcome — ranked, specific, and yours to take or skip.
Status
Safe to spend
Open the app and the week answers itself. One figure, derived from your real inputs — never a placeholder.
Changes
Here's what moved
A dropped shift, a bill that shifted earlier, a cash correction. Viably shows the cause, not just the effect.
Action
Do this next
One concrete move that changes the outcome — ranked, specific, and yours to take or skip.
3
inputs in — shifts, bills, cash
1
answer out — safe to spend
0
payroll logins required