tmrwTry the demo

For small shops that sell with PayPal

See the short day before it arrives.

Your shop's month on one page, inside PayPal. Spot the short day a week early, and fix it in a tap.

Try the demo See how it works

Thu 12 Nov: $120 short. Spotted on Thu 5 Nov at Dunder Mifflin & Co., a sample shop.

The shopkeeper at her desk, worried, as the bills pile up

Bean There

−$400

Rent

−$1,500

The problem

Bills don't wait.

A shop's money lives in five places. So two big bills can land on one day, and nobody sees it coming.

Where the month lives today

  1. 01The PayPal appSales trickle in, one by one.
  2. 02Auto-debitsSet up once, then forgotten.
  3. 03WhatsAppSuppliers and staff asking to be paid.
  4. 04A paper calendarRent, bean orders, staff pay.
  5. 05The owner's headEverything else.

Thu 12 Nov

Short $120

  • Rent−$1,500
  • Bean There−$400
Due that day
$1,900
Free above the $200 safety cushion
$1,780
Short
$120

Clear until Wednesday. On Thu 12 Nov you'll be $120 short: the bean order and rent land the same day.

Dunder Mifflin & Co., a sample shop - next 14 days

  1. Today

    $440

    Covered

  2. Fri 6

    $618

    Covered

  3. Sat 7

    $934

    Covered

  4. Sun 8

    $1,227

    Covered

  5. Mon 9

    $1,433

    Covered

  6. Tue 10

    $1,622

    Covered

  7. Wed 11

    $1,806

    Covered

  8. Thu 12

    $80

    $120 short

What it does

Spot. Plan. Steer.

It reads your PayPal history and puts the month on one page. It never moves money by itself.

  1. 1

    Spot

    It spots the short day, a week early.

    Thu 12 Nov

    $120 short

    Because the bean order and rent land the same day.

  2. 2

    Plan

    It lays the month out on one page.

    Must pay
    $4,839
    Coming in
    about $6,939
    Want to do
    Second oven, $1,200
    Focus
    “Second oven before Christmas”

    November, day by day: covered, tight or short

  3. 3

    Steer

    It helps fix it, safely.

    Pip suggests. 9 rules check. Penny taps.

    Needs Penny's OKApproved by Penny

The next two weeks

See it coming.

Tap any day to see what comes in and what goes out.

The shopkeeper studies the shop calendar through a magnifying glass
Pick a dayThu 12 Nov

Thu 12 Nov: the bean order and rent land the same day. $80 left, $120 less than the shop needs.

Balance at the end of the day$80.00
Safety cushion$200.00
Short by$120
That day
  • Expected sales, after PayPal's fee+$174
  • Rent−$1,500
  • Bean There−$400

Features

Try the real thing, right here.

The real forecast and safety rules, on a sample shop.

Your turn

Can you save Thursday?

Thu 12 Nov is $120 short. Pick a fix and watch what happens.

Thu 12 Nov is $120 short. Help?

  1. Today

    $440

    Covered

  2. Fri 6

    $618

    Covered

  3. Sat 7

    $934

    Covered

  4. Sun 8

    $1,227

    Covered

  5. Mon 9

    $1,433

    Covered

  6. Tue 10

    $1,622

    Covered

  7. Wed 11

    $1,806

    Covered

  8. Thu 12

    $80

    $120 short

Pick a fix above. Nothing moves until Penny taps.

Bring lost payments back

It chases money the shop is owed.

Ivory & Vow owes $240 for a wedding cake. Pay their reminder and watch the money land.

A customer pays on her phone and coins fly into the shopkeeper's open hands

To Ivory & Vow

Simulated

Your tiered wedding cake is still open

Hi, a quick note: the $240 for your tiered wedding cake is due Wed 18 Nov. You can pay here with PayPal whenever it suits.

Penny, Dunder Mifflin & Co.

Drafted for you. Sent only with Penny's OK and the customer's consent.

+$0.00

arrived in PayPal

$240.00 paid, minus $8.87 PayPal fee. tmrw counts what arrives.

Bean There

Thu 12 Nov

$280 of $400 ready

Short $120

The safety check

Nothing moves without passing it.

Every suggestion passes 9 fixed rules and prints a receipt. Tap a real decision.

The Margin Guard holds up green, amber and red signs while the shopkeeper watches

Ivory & Vow said yes to reminders, but $240 is over $100. Penny taps OK first.

Margin Guard · No. 0001

Send reminder$240.00

Order #1760, Ivory & Vow

  1. 1Already paidPASS
  2. 2ConsentPASS
  3. 3Contact frequencyPASS
  4. 4Risk holdPASS
  5. 5Duplicate actionPASS
  6. 6Minimum balanceN/A
  7. 7Set-aside capN/A
  8. 8Owner approvalFAIL

    $240.00 is more than $100.00, the most tmrw does without asking you.

  9. 9Total spendingN/A
DecisionNEEDS YOUR OK

$240.00 is more than $100.00, the most tmrw does without asking you.

Also in tmrw

Today panel
Safe to spend, the biggest day ahead, who owes you.
Auto-debits, labelled
No surprise withdrawals.
Risky orders held
Not counted as money until they're safe.
Net money only
Counts what arrives after PayPal's fee.
Your own numbers
See your own short day in a minute. Find yours

Tech

AI suggests. Code decides. You tap.

Every money move, the same six steps.

  1. 1

    PayPal history

    Orders, fees, webhooks.

  2. 2

    The forecast

    30 days in plain code. No AI maths.

  3. 3

    Pip suggests

    Gemini drafts and explains.

  4. 4

    Margin Guard

    9 rules decide. A receipt every time.

  5. 5

    You tap

    Nothing moves without you.

  6. 6

    PayPal sandbox

    Only then does code call PayPal.

What we promise, in code

  • AI never calculates money. Every number comes from tested code.
  • AI never calls PayPal. Only the Guard's executor does.
  • If AI fails, the app still works. The numbers don't need it.
  • Simulated means labelled. And PayPal runs in sandbox only.

TMRW

Built with

  • PayPal Orders v2checkout links, capture
  • PayPal Webhookssigned payment events
  • PayPal Payoutspaying a supplier
  • PayPal Paymentsrefunds
  • Gemini, AI SDKdrafts and explains only
  • Margin Guard9 rules in plain code
  • AG Grid, AG Chartstables and the forecast chart
  • Next.js 16, React 19one app, pages and API
  • Prisma 7, SupabasePostgres, one copy per visitor
  • Renderhosting

PayPal sandbox only - MIT licence

Next up

What's next for tmrw.

  1. 1Pip edits the pageSnap a bill; tap Keep or Discard.Up next
  2. 2Requests inboxStaff and suppliers ask here, not on WhatsApp.Up next
  3. 3Learns from your editsMove it once; it stays moved.Planned
  4. 4Calendar, Ventures and InsightsThe new laptop app's windows.Planned
  5. 5A real PayPal loan offerA last resort, fee up front.Planned

GitHub

Open source. Read every rule.

MIT licence. Start with these four.

Public repository

Rahulkumar0407/paypal

Open on GitHub

Try it now

Make Thursday a calm day.

Six steps, one real PayPal sandbox checkout. Nothing real moves.

Start the demo Try your own numbers

Or peek at the new laptop app (still being built).

The shopkeeper leans back, relaxed, with every day on her calendar ticked
tmrwBuilt for the PayPal AI Hackathon 2026. AI never calculates money; code does.