Always free · No bank login · Data stays in your browser
Founding Member Program — limited to the first 100 members

Budget by
Paycheck.
However You Get Paid.

Weekly, every two weeks, twice a month, monthly, or whenever money comes in (gig, side hustle, tips).
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

Latest from the Blog

Browse all articles →
💳 Debt Balance Transfer Cards: When They Actually Save Money See when a 0% balance transfer beats the fee, the traps that cancel the savings, and how to pay it off one paycheck at a time before the promo ends. 💰 Income Hourly to Salary: What Your Wage Is Per Paycheck Convert your hourly wage to yearly, monthly, and bi-weekly pay with a quick chart and a mental math trick — then find the take-home number to budget with. 💰 Income How to Budget Overtime Pay Overtime disappears into checking without a plan. Here is how to assign extra hours so OT builds savings and debt payoff — not lifestyle creep. 💎 Wealth Track Net Worth for Free Without Bank Login Your net worth is the most important number in your financial life. Here is how to calculate and track it for free.
🔒 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.
⬇️
Your Data, Your Copy
Download your transactions anytime as a CSV file from Setup → Your Data or any register: one month or everything, one account or all. It's created right on your device, nothing extra is uploaded, and you're never locked in.
🔐
Optional Two-Factor Authentication
Turn on 2FA in Setup → Security and you'll enter a 6-digit code from an authenticator app (Google Authenticator, Authy, and others) after your password, for an extra layer of protection. Optional, and you can turn it off anytime.
⏱️
Auto Sign-Out After 10 Minutes
After 10 minutes with no activity, Payday Planner signs you out automatically on that device, even if the app was left open, sat in the background, or you come back to it later. Your budget isn't left open on a shared or lost phone.
The Problem

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

  • 😤 Apps like YNAB and EveryDollar are built around monthly budgets — but your money arrives by the paycheck: every week, every two weeks, or on the 1st & 15th.
  • 😰 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 paycheck-to-paycheck budgeters 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 paycheck problem, whether you're paid bi-weekly, weekly, or twice a month.

Payday Planner was built specifically to fill this gap — completely free, purpose-built for budgeting by paycheck (bi-weekly, weekly, semi-monthly, monthly, or irregular pay), with features no other app offers.

Try the Free Alternative →
Features

Everything you need.
Nothing you don't.

Built for every pay schedule: bi-weekly, weekly, twice a month, monthly, or irregular. 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.
💳
Credit Card Utilization & Interest Estimates
Add a credit limit and APR to any card to see utilization % (color-coded), available credit, and an estimated monthly interest cost, plus totals across all your cards. Everything updates automatically whenever a card balance changes.
Who Uses It

Built for every paycheck.
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 for weekly and semi-monthly pay (1st & 15th, or 15th & last day). Pick your schedule and the app builds your pay calendar.
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, 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 →
Popular Guides

Budgeting tips for
every paycheck.

💡 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.

💳
October 12, 2026 LATEST
  • ✓ 💳 Credit card utilization: add a credit limit to see how much of it you're using (green under 30%, amber 30–50%, red over 50%), your available credit, and overall utilization across all cards.
  • ✓ 🗓️ Statement closing date: see when each card's statement closes next. Short months use their last day.
  • ✓ 💸 Estimated monthly interest: balance × APR ÷ 12 for each card, plus a total. It's an estimate; you pay $0 interest when the statement is paid in full by the due date.
  • ✓ 🔄 Always up to date: interest estimates, utilization %, and available credit update automatically whenever a card balance changes.
🤖
October 11, 2026
  • ✓ 📅 Semi-monthly (1st & 15th) paychecks now supported: choose your two paydays, like the 1st & 15th or the 15th & last day of the month. Short months like February are handled automatically, and bills are assigned to the right check.
  • ✓ 🤖 Assistant Connection: let your AI assistant add transactions, bills, and more for you by voice or chat. Keys can only add, never read, change, or delete, and you can revoke one anytime. Set it up in Setup → Assistant Connection.
🔐
October 10, 2026
  • ✓ 🔐 Optional two-factor authentication (2FA): add a 6-digit code from an authenticator app (Google Authenticator, Authy, and others) on top of your password. Turn it on in Setup → Security.
⬇️
October 8, 2026
  • ✓ ⬇️ Export your transactions (CSV) — download one month or all time, for all accounts or just one, and open it in Excel or Google Sheets. The file is created on your device; nothing is uploaded. Find it in Setup → Your Data or on any register.
  • ✓ 🌙 Late-night entries now use your local date — transactions added after 8 PM ET no longer default to tomorrow
✨
October 7, 2026
  • ✓ 🔔 Opt-in unpaid bill reminders — email + Android PWA push from Setup → Notifications, about 3 days before due
  • ✓ 📌 Hold / Earmark category — park rent or other bills in savings without counting them as spending until you actually pay
  • ✓ 🏦 Clearer Money In / Out — Savings Transfer and Hold moves update balances but no longer inflate monthly income or spending
  • ✓ ⭐ Live founding spots counter — updates automatically when members confirm their email (first 100)
  • ✓ 📅 Calendar starts at the current month — no more clutter from prior months of paid-off bills
  • ✓ ✉️ Branded verification emails and a dedicated verify page — easier sign-up and password reset
  • ✓ 📱 Mobile menu, shorter hero, and clearer blog text — site polish across phone and desktop
📈
June 23, 2026
  • ✓ 📈 Net Worth Over Time — a live line graph on your dashboard tracks your net worth daily so you can watch your wealth grow
  • ✓ 📊 30 day, 90 day, 1 year, and all-time range filters on the graph
  • ✓ ▲ Trend indicator shows total gain or loss over the selected period at a glance
⭐
June 6, 2026
  • ✓ ⭐ 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
  • 📱 Android and iOS apps
  • 👥 Shared budgets for couples
  • 📊 Month over month spending trends and net worth history