PayCheck BudgetBudget by payday →
Cash-flow budgeting for iOS

Budget around your paydays.

However you're paid — weekly, every two weeks, twice a month, monthly, or whenever the money lands — PayCheck Budget forecasts the days ahead and tells you exactly what's safe to spend before your next check.

Download on the App Store See how it works Free 30-day trial · No 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 real pay schedule

Pick weekly, biweekly, semi-monthly, monthly, or enter your own custom paydays. Two earners on different schedules? Add a second income — the forecast combines them.

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 paychecks aren't like that. PayCheck Budget maps whatever cadence you're on — and recalculates the second a payday or bill moves.

Weekly Every two weeks Twice a month Monthly Irregular / custom dates Dual income
What's inside

A full cash-flow toolkit — not a spreadsheet.

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.
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

Start free for 30 days.

Then current U.S. promotional pricing for eligible customers, with Apple Family Sharing included. Exact terms are always shown before you buy.

Monthly
$3.99/mo
Everything included, billed monthly.
Start free trial
Annual · best value
$29.99/yr
Save about 37% versus monthly.
Get annual
Questions

Good to know.

Does it work if I'm not paid monthly?

That's the whole point. Set weekly, biweekly, semi-monthly, monthly, or your own custom paydays — the forecast adapts to your real schedule.

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?

A free 30-day trial, then current U.S. promotional pricing of $3.99/month or $29.99/year for eligible customers, with Family Sharing included.

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