✨ Always Free — No Bank Login Required
🔒 No Download Needed — No Account Numbers — Data Saved on Any Browser
⭐ Founding Member Program — 89 of 100 spots remaining

Budget by
Paycheck.
Not by Month.
For Everyone.

The free personal finance app that works for everyone. Budget by paycheck, track your complete net worth, monitor investments, set savings goals, and manage debt — all in one place. No bank connection. No subscription. No catch.

💵 Launch Payday Planner → See How It Works
100% Always Free
10+ Finance Features
5 Minute Setup
∞ Users Supported
🔒 Security First

We take your security seriously.

Your financial data deserves real protection. Here is exactly how we keep it safe.

🏦
No Bank Connection — Ever
We never ask for your bank login, your account numbers, or any banking credentials whatsoever. You don't even need your account number to use this app — just the balances you already know. Manual entry only, private by design.
🔐
Encrypted Data Storage
All your data is encrypted at rest and in transit using HTTPS. Powered by Supabase — enterprise-grade cloud security.
👤
Your Data is Yours Only
Row-level security means only you can ever see your data. Not us. Not other users. Your financial information is completely private.
🚫
We Never Sell Your Data
Your financial data is never sold, shared, or used for advertising. Period. Read our full privacy policy.
✉️
Email Verification Required
Every account requires email verification before access is granted. No unauthorized access to your budget data.
🗑️
Delete Your Data Anytime
Request full deletion of your account and all associated data at any time. No questions asked. Contact us and it's done within 30 days.
⏱️
⏱️ Automatic Session Timeout
Your session automatically expires after a period of time requiring you to log back in. Your financial data is never left accessible on an unattended device.
The Problem

Most budget apps
think in months.
You think in paychecks.

  • 😤 Apps like YNAB and EveryDollar are built around monthly budgets — but you get paid every two weeks, not every month.
  • 😰 You can't figure out which bills to pay with which paycheck — bi-weekly, weekly, or semi-monthly — so you wing it and hope for the best.
  • 😩 Nobody tells you about 3-paycheck months — the bonus paychecks bi-weekly workers get twice a year that could be transformative if you planned for them.
  • 💸 Mint shut down in early 2024 — over two years ago now. Millions of bi-weekly workers lost their budgeting tool and haven't found a real replacement.
🚨 Mint Shut Down — And People Are Still Looking

Intuit shut down Mint.com back in early 2024, leaving millions of users without a free budgeting tool. Most alternatives cost $9–$17 per month and still don't solve the bi-weekly pay problem.

Payday Planner was built specifically to fill this gap — completely free, purpose-built for bi-weekly workers, with features no other app offers.

Try the Free Alternative →
Features

Everything you need.
Nothing you don't.

Built for bi-weekly workers but useful for everyone. Use just the features you need — or use them all.

📅
Automatic Bill-to-Paycheck Assignment
Bills are automatically assigned to the right paycheck based on their due date. Supports monthly bills, 6-month bills like car insurance, and yearly subscriptions like Amazon Prime. Know exactly what each check covers before it arrives.
🎯
3-Paycheck Month Detection
Automatically detects your bonus paycheck months and shows you how to use that extra check for savings, debt, or investments.
💎
True Net Worth Tracking
See your complete financial picture — bank accounts, investments, physical assets like your home and car, minus all debts.
📊
Spending Categories & Charts
Categorize every transaction and see a visual spending breakdown by category. Set monthly limits and track progress with color-coded bars.
💳
BNPL & Installment Tracking
Track Afterpay, Klarna, and other buy-now-pay-later plans as installments assigned to specific paychecks so they never sneak up on you.
🏦
Multi-Account Register
Full transaction register for every checking and savings account with running balances, monthly summaries, and complete history.
🎯
Savings Goals with Deadlines
Set savings goals with target amounts and deadlines. Track progress toward vacations, emergency funds, down payments, and more.
📈
Investment Tracking
Track your 401k, IRA, brokerage accounts, crypto, and more. See total investment value alongside your complete net worth picture.
🔒
Private by Design — Manual Entry Only
Payday Planner never connects to your bank. You enter your own numbers manually — which means your bank credentials, account numbers, and login details never leave your hands. Your financial data stays yours.
Who Uses It

Built for bi-weekly workers.
Useful for everyone.

Use just the features that fit your life — or use them all. No pay schedule required for most features.

💵
Bi-Weekly Workers
The full experience. Assign bills to specific paychecks, detect 3-paycheck months, and see exactly what every check covers before it arrives.
ALL FEATURES ✓
📅
Weekly & Semi-Monthly Workers
Full paycheck budgeting works for weekly and semi-monthly pay schedules too. Set your pay frequency and the app handles the rest.
ALL FEATURES ✓
💼
Freelancers & Gig Workers
Irregular income? Use the transaction register, spending categories, net worth dashboard, savings goals, and debt tracking — all without a fixed pay schedule.
MOST FEATURES ✓
🏠
Homeowners & Investors
Track your home equity, investment accounts, physical assets, and complete net worth in one free dashboard. More comprehensive than most paid apps.
NET WORTH FEATURES ✓
💳
Debt Payoff Focused
Track every loan, credit card, and debt balance in one place. Watch your total debt decrease over time and stay motivated on your payoff journey.
DEBT FEATURES ✓
🎯
Savers & Goal Chasers
Set savings goals with deadlines and track progress toward your emergency fund, vacation, down payment, or any financial milestone that matters to you.
GOALS FEATURES ✓

Don't see yourself above? You probably still fit. If you earn money, spend money, owe money, or save money — Payday Planner has something for you. And it's always free.

Comparison

The honest comparison.

See how Payday Planner stacks up against the alternatives for paycheck-based budgeting.

Feature 💵 Payday Planner YNAB EveryDollar Copilot
Price Free $109/yr $17/mo $9/mo
Paycheck-based budgeting (bi-weekly, weekly, semi-monthly) ✓ ✗ ✗ ✗
Paycheck-to-bill assignment ✓ ✗ ✗ ✗
3-paycheck month detection ✓ ✗ ✗ ✗
Net worth tracking ✓ ✓ ✗ ✓
Physical assets (home, car) ✓ ✗ ✗ ✗
BNPL installment tracking ✓ ✗ ✗ ✗
Spending category budgets ✓ ✓ ✓ ✓
Android app Coming Soon ✓ ✓ ✗
iOS app Coming Soon ✓ ✓ ✓
No bank login required (manual entry) ✓ ✗ ✗ ✗
How It Works

Up and running
in 5 minutes.

No bank connections required. No subscription. Just a smarter way to plan your paychecks.

01
Create your free account
Sign up with just your email. No credit card, no trial period. Always Free.
02
Add your income & pay dates
Enter your paycheck amount and when you get paid. The app builds your full year pay calendar instantly.
03
Add your bills
Enter your recurring bills and the app assigns each one to the correct paycheck automatically.
04
See your full picture
Your dashboard shows net worth, spending limits, upcoming bills, and exactly what's left after each check.
💵

One app.
Every financial need.

Budget by paycheck. Track your net worth. Monitor investments. Crush your debt. Hit your savings goals. All in one free app — no bank connection, no subscription, no catch.

✓ Paycheck Budgeting ✓ Net Worth Tracking ✓ Investment Monitoring ✓ Savings Goals ✓ Debt Tracking ✓ Spending Categories ✓ BNPL Tracking ✓ No Bank Connection Ever ✓ Always Free ⭐ Founding Member Badge ✓ Your Numbers Stay Private ✓ Works on Any Device ✓ Setup in 5 Minutes
Launch Payday Planner Free →
From the Blog

Budgeting tips for
bi-weekly workers.

💡 Budgeting
Mint Shut Down — Here's the Best Free Alternative in 2026
Intuit shut down Mint over two years ago. Millions are still searching for a free replacement that actually works.
Read Article → 📅 Pay Planning
How to Budget When You Get Paid Every Two Weeks
Monthly budgets don't work for bi-weekly workers. Here's the paycheck method that actually does.
Read Article → 🎯 Money Tips
What is a 3-Paycheck Month and How to Use It
Twice a year you get a bonus paycheck. Most people don't even notice. Here's how to make it life-changing.
Read Article →
What's New

Always getting
better.

We ship updates regularly based on real user feedback. Here's what's been added recently.

⭐
June 6, 2026 LATEST
  • ✓ ⭐ Founding Member program — first 100 members get a permanent numbered badge
  • ✓ 📅 Rolling 15-month pay calendar — December now correctly shows January bills
  • ✓ 🗓️ Bill checklist now shows full month and date — no more guessing which month a bill belongs to
  • ✓ 📱 Mobile display improvements — better scaling on all phone screen sizes
  • ✓ 🔒 Dedicated Privacy, About, and Contact pages
📊
June 3, 2026
  • ✓ 📊 Spending categories with visual pie chart breakdown in the register
  • ✓ 🎯 Monthly spending limits with color-coded progress bars on the dashboard
  • ✓ 🏠 Physical assets — track your home, car, land, and other assets in net worth
  • ✓ 💎 Tappable net worth breakdown — tap any category to see exactly what's inside
🚀
May 2026 — Initial Launch
  • ✓ 💵 Payday Planner V2 launched — full paycheck-based budgeting app
  • ✓ 📅 Automatic pay calendar with 3-paycheck month detection
  • ✓ 🏦 Multi-account register with running balances and monthly summaries
  • ✓ 📈 Investments, loans, savings goals, and complete net worth tracking
  • ✓ 🔒 Secure cloud sync — your data encrypted and accessible on any device
🔜
Coming Soon
  • 🔔 Bill reminder emails — get notified before bills are due
  • 📱 Android and iOS apps
  • 👥 Shared budgets for couples
  • 📊 Month over month spending trends and net worth history