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PaycheckKnow what's safe to spend before payday

Paycheck Budget App

Know what you can spend today and still cover every bill and savings goal before payday. Pay once, no subscription.

AppPhone, tablet + computerWorks offlineNo bank login

$17.99 one time, buy direct

Buy direct · $17.99

Instant download: your private app link and the free 6-page how-to PDF guide, right after you pay.

Buy on Etsy · $19.99

35% off on Etsy: code SAVE35

Try the free demo

Pay once, no subscription
No account, no password, no bank login
Your numbers stay on your device
Free 6-page how-to PDF guide included

What the Paycheck Budget App does

Safe to spend today

It takes your take-home pay, subtracts what you've spent and the bills still due before payday, sets your savings aside, and divides what's left by the days until payday.

Budget by paycheck

Weekly, every two weeks, twice a month or monthly. Plan by category, with a warning if you plan more than you make.

Bill tracker + calendar

Bills on a calendar with due-soon reminders and overdue alerts. Tap a bill to mark it paid.

Savings goals

Progress bars for a vacation, an emergency fund or anything you like.

Debt payoff tracker

Snowball or avalanche, your debt-free date, and how much sooner an extra payment gets you there. Log a payment and the balance drops by itself.

Expense tracker

Quick picks like Gas, Groceries and Rent fill in the category for you.

Reports

Money in, money out and spending by category.

Light + dark mode

Pick your look, and export to Excel or Google Sheets (CSV) anytime.

Set up in about two minutes

Set your paycheck
Pick weekly, every two weeks, twice a month or monthly, then plan your categories.
Add what you spend
Add a purchase in seconds. Quick picks fill in the category for you.
See what's safe to spend
The number updates every time, after your bills and savings are covered.

Watch the how-to

The 5-minute tutorial, start to finish.

Plus the free 6-page how-to PDF guide comes with your purchase.

Private by design

Your numbers stay on your device. No account, no password, no bank login, and nothing is sent to us or anyone else.

Back up to a small file anytime and restore it on a new phone or a second device
Free updates delivered right in the app
Keeps working without internet once it's installed

What you get, how you get it and what you need

What you get

The Paycheck Budget App, installed from your private link
The free 6-page how-to PDF guide, with real screens
One purchase, yours to keep, with free updates in the app

How you get it

Buy direct: right after you pay, you land on your download page with your private app link and the guide.
On Etsy: open Purchases in a web browser and click Download Files. The Etsy phone app can't download files.
Open your link on the device you want to use and install it. The guide shows how on each device.

What you need

An Android phone, an iPad, or a Windows or Mac computer
Internet the first time. Once it's installed it keeps working offline.

Good to know

It doesn't connect to your bank. You add your purchases yourself, a few seconds each.
It doesn't sync between devices by itself. Use Backup and Restore to move your data.
It's a digital download. Nothing is shipped.
It's for personal use. Please don't share your app link.

Reviews

4.5 from 2 Etsy reviews

★★★★☆

“Fantastic app, really help me visually see how much I can spend each day and see where the money is going”

Verified Etsy buyer

★★★★★

“Super easy and very convenient with having it on my phone! It’s exactly what I was wanting.”

Verified Etsy buyer

Real reviews of the Paycheck Budget App from our Etsy shop, word for word. Our Etsy shop has 150 reviews with a 4.8-star average.

Read all our reviews on Etsy →

Questions

Is there a monthly fee?

No. One purchase, yours to keep, with free updates delivered right in the app.

Does it connect to my bank?

No. You add your purchases yourself, which takes a few seconds each, and your numbers stay on your device.

What does safe to spend today mean?

It's your take-home pay, minus what you've spent, the bills still due before payday and your savings, divided by the days until you get paid.

Can I budget every two weeks?

Yes. Pick weekly, every two weeks, twice a month or monthly.

What can I use it on?

Android phones, iPads and Windows or Mac computers. It installs from your link like a real app, opens full screen, and keeps working without internet once it's installed.

Can I use it on two devices?

It doesn't sync by itself. Back up to a small file and restore it on the other device.

How do I get it after I buy?

Buy direct and you land on your download page right after you pay, with your private app link and the free how-to PDF guide. On Etsy, open Purchases in a web browser and click Download Files.

Can I try it before I buy?

Yes. The free demo opens right in your browser, with no sign-up.