Back to Black: Money Planner

Every pay, sorted before it lands. Put a little aside each pay, so Christmas, rego and holidays are ready ahead, not paid off afterwards. Back to Black is a pay planner for people paid weekly, fortnightly or monthly. Tell it your pay and what's coming up. It works out what to set aside each pay, and when each plan will be ready. TWO MINUTES ON PAYDAY • Your payday check-in lists what to move: bills, plans, saving and debt • Move each amount in your banking app, then tick it off here • See what's yours to spend until next payday • A short pay? Choose what waits until next pay. Bills and debt stay; plans and saving can move CHRISTMAS, HOLIDAYS AND BIG BILLS • Make a plan for Christmas, a family trip, car rego, school costs or a birthday • Give it a total and a date. We work out each pay, ready about a week early • Gold means ready. Red only ever means money on credit BILLS AND EXPENSES, ONCE • Tick your regular costs from a list: rent, groceries, fuel, phone, insurance • Weekly, monthly or yearly bills, worked out per pay for you SAVINGS GOALS AND DEBT PAYOFF • Save a little each pay for a rainy day fund or anything else • Paying off a credit card or loan? See your payoff plan and the date you'll be debt-free SAVINGS CALCULATOR • "$900 by Christmas?" See what it takes each pay, then save it as a plan PLAN IT TOGETHER • Invite your partner, family or travel group to a plan • Everyone sees the same plan, and who's covering what YOUR MONEY, YOUR CHOICE • No bank login. It works with any bank • Nothing to log: no receipts, no categorising, no bank sync to break • Lock the app with a PIN or Face ID Start with one plan. Christmas is a good one.