PayCheck BudgetBudget by payday →
Cash-flow budgeting for iOS

Every paycheck. Every bill. One clear plan.

Set your regular pay schedule, add as many extra paychecks as life brings, and assign every bill to the check that should cover it. PayCheck Budget shows exactly what's safe to spend before the next payday.

Download on the App Store See how it works 30 days of full access · No card, account, or bank linking
Your cash flow, next 30 days
Pay schedule
Twice a month
Safe to spend today
$0
Lowest point before payday
$0
How it works

Three steps. Then you always know where you stand.

01

Set your schedule—and add every extra check

Pick weekly, biweekly, semi-monthly, or monthly, then add any bonus, overtime, freelance payment, or extra payday without disrupting your regular schedule.

02

Assign each bill to a paycheck

Tell the app which check covers rent, which covers the car, and so on. Money is accounted for the moment it arrives, not guessed at by month.

03

Spend from "safe to spend"

The app does the math continuously and shows what's truly free to spend before your next deposit — and warns you before a purchase makes a future day too tight.

Any pay schedule

Built for how people actually get paid.

Most budgeting apps assume a clean monthly salary. Real income includes shifting dates, bonuses, overtime, freelance work, and occasional extra checks. PayCheck Budget keeps all of it in one plan.

Weekly Every two weeks Twice a month Monthly Unlimited extra paychecks Dual income
What's inside

A full cash-flow toolkit — not a spreadsheet.

Unlimited paychecks
Add bonuses, overtime, freelance income, or a third biweekly payday—with a name, date, and amount for each one.
Safe-to-spend
A live number for the current pay period that adapts to how many days are left until you're paid.
Cash-flow forecast
See a running balance across every upcoming paycheck and bill, so you spot a tight stretch weeks before it arrives.
Bill-to-paycheck assignment
Attach each bill to the check that funds it. No more wondering whether this paycheck can cover what's coming.
Dual-income households
Combine two earners on different schedules into one shared plan.
Savings goals
Build toward emergencies, vacations, taxes, and large expenses a little at a time from upcoming paychecks.
Family sharing via iCloud
Share a budget with a partner — no accounts, no servers, no third parties.
Apple Watch & receipt scanning
Check what's safe to spend from your wrist, and capture purchases with a tap.
Private by design

Your money stays yours.

No bank linking. No account to create. Your financial data lives in your own private iCloud and syncs only to you and anyone you choose to share with. We can't see it, sell it, or share it.

No bank linking Private iCloud sync Never sold to third parties On-device intelligence
Pricing

Try everything free for 30 days.

No card or subscription is required. Afterward, eligible U.S. customers can choose introductory monthly or annual pricing, with exact terms always shown before purchase.

Monthly
$3.99/mo
Introductory price for the first 12 months for eligible customers.
Get 30 days of full access
Annual · best value
$29.99/yr
Introductory price for the first year for eligible customers.
Get annual
Questions

Good to know.

Can I add extra or irregular paychecks?

Yes. Add as many one-time paychecks as you need for bonuses, overtime, freelance income, or an extra payday. Your regular schedule keeps running normally.

Do I have to link my bank?

No. There's no bank linking and no account to create. Your data stays in your private iCloud.

What is "safe to spend"?

The money you can spend today without missing a bill before your next payday. Read the guide →

How much does it cost?

New users get 30 days of full access with no card or subscription required. Eligible U.S. customers can then receive $3.99/month for the first 12 months or $29.99 for the first year.

Know what's safe to spend.
Today, and all the way to payday.

Budget by paycheck — however you're paid.

Download on the App Store