Lefover A cycle is the money you live on until the next reset. In Regular mode the reset is payday: a cycle starts the day your paycheck lands and ends the day before the next one, which for most people is two weeks or a month. In Runway mode there is no reliable payday, so the reset is your cycle day, on a rhythm you choose. Either way, the cycle is the unit for every calculation, and the safe-to-spend number always answers the same question: what is left through the rest of this cycle.
How we detect your cycle
When you connect your bank, Lefover reads up to two years of transaction history and looks for deposits that repeat: the same source landing on the same day of the week, or on the same day of the month.
It then shows you every recurring income it found and asks which ones are yours. You can pick more than one, so several incomes on different schedules are handled together. Your cycles anchor to those paydays from then on.
If nothing in your history repeats on a schedule, there is no payday to anchor to, and Runway mode is the answer instead.
Cadence types
Lefover supports four cadence patterns:
- Weekly: paycheck lands every 7 days (often Friday)
- Biweekly: every 14 days (every other Friday is the most common)
- Twice a month: often the 1st and the 15th, or the 15th and the 30th
- Monthly: once a month
If none of these fit, you’ll be offered Runway mode instead.
What happens when income is late
Sometimes a paycheck lands a day or two late (holidays, bank processing). In Regular mode, Lefover extends the current cycle to wait for it, and your safe-to-spend number stretches the remaining money over the extra days. Runway cycles keep the length you chose, because they are not waiting on a deposit.
Lefover holds off before saying anything, since a day or two late is usually nothing. If a deposit still hasn’t landed two days after it was expected, an inbox notice tells you, so you can look into it. If a cycle runs four days past where it should have ended with no deposit, Lefover flags that as well.
That notice is called Late paycheck in Regular mode and Late income in Runway mode, and you can turn it off with the rest of your notification switches.
Runway mode
If your income is irregular (freelance, contract work, side income that doesn’t repeat on a schedule), Lefover uses Runway mode. There is no payday to anchor to, so a cycle covers a fixed stretch of days instead of running from one deposit to the next.
You choose the rhythm: weekly, every two weeks, twice a month, or monthly. Every cycle runs that same length, and a fresh one opens on your cycle day, the day the last one ends.
The number itself is built exactly as it is in Regular mode: money in checking, minus the bills still due this cycle, minus what you have set aside. Home also shows it as an even daily pace across the days this cycle has left.
You can move between Regular and Runway, or change your runway rhythm, from the Menu tab, under Cycle mode.
Cycle rollover
In Regular mode, when your paycheck lands, Lefover rolls over to the next cycle on its own. No button to press. The math reanchors to the new payday, your bills shift to the new cycle’s view, and your safe-to-spend number recalculates.
In Runway mode the rollover happens on your cycle day: a fresh cycle opens the day the last one ends, and the same recalculation happens then.
Why this matters
The personal finance world thinks in months because calendar months are easy to talk about. People don’t live in months.
If you are paid on a schedule, you live from one payday to the next, and anchoring to that rhythm is the only way to give you a number that is true today rather than approximately true on average. If your income doesn’t arrive on a schedule, the same logic holds with a different reset: a cycle day on a rhythm you choose, so the number still answers a real question about a real span of time.