# BudgetGen: Paycheck Budget — Safe to spend before payday > Safe to spend before payday (iPhone/iPad app by Austin Pennyfeather.) - Source: https://appshunter.io/ios/app/budgetgen-paycheck-budget/id6813267704 (this page in markdown: same URL + `.md`) - Developer: [Austin Pennyfeather](https://appshunter.io/developer/1785763573) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 12+ - Requires: iOS 15.0 · 111 MB - Languages: American English - Released: 2026-10-12 - Data updated: 2026-11-13 ## What is BudgetGen? Know what's safe to spend before payday. BudgetGen sets your bills aside first, then shows what's really yours to spend until your next payday. One clear number, updated as your money moves. SAFE TO SPEND, EVERY DAY See exactly what you can spend until payday, and about how much that is per day. Your bills, your cushion and your goals are already taken care of before you see it. YOUR PACE, AT A GLANCE See how your spending since payday compares with your usual. On track, tight or short: you'll know which before it's a problem. BILLS COME OUT FIRST Every bill due before payday is counted ahead of time. Get a heads-up the day before each one, with what's left after it, and a warning if you're heading short. A PLAN FOR EVERY PAYDAY When pay lands, see where it goes first: bills, a small cushion, your goals, then what's left to spend. JUST ASK Ask the way you'd ask a friend who's good with money: "Can I afford a $60 dinner on Friday?" "What's due before payday?" "Where did my money go?" Every figure is worked out from your own pay, bills and balances. ON YOUR HOME SCREEN Add the widget to see your number on your Home Screen or Lock Screen, without opening the app. BUDGETS THAT FIT YOUR PAY Set a limit for groceries, eating out and more, for each pay period, and see whether you're under or ahead of pace. SEE WHERE IT WENT Your everyday spending by category, compared with what you usually spend. GOALS AND DEBTS Saving for a trip or a rainy day? See what to put aside each payday. Paying off a card or a loan? See your debt-free date and how much interest you save. SUBSCRIPTIONS IN ONE PLACE See what renews and what it costs you a year, with simple guides to cancel the ones you don't use. PLAN TOGETHER Invite your partner and share the same bills, budgets and goals. One subscription covers you both. CONNECT YOUR BANK, OR DON'T Connect your bank in about a minute, read-only through Plaid: we never see your password and can never move your money. Banks in Canada and the US are supported. Prefer to type it in? Set up takes about two minutes, and you can update your balance whenever you like. PRIVATE BY DESIGN Your plan is used only to run BudgetGen for you. It's never sold, there are no ads, and you can delete it anytime. SUBSCRIPTION BudgetGen needs a subscription. One subscription covers you and your partner. Yearly: $49.99 a year, with a 7-day free trial for new subscribers Monthly: $9.99 a month These are the prices in Canada and the United States, each in its own dollars. Payment is charged to your Apple ID when you confirm the purchase, or when the free trial ends. Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel it in your iPhone's Settings, under your name, then Subscriptions. Fair limits apply to the questions you can ask each day and the receipts you can send each month. BudgetGen is a tool for understanding your own money. It is not financial advice, and it never moves your money. AI answers can be wrong, so BudgetGen works out every figure itself and asks you to confirm before any change is saved. Privacy Policy: https://budgetgen.app/privacy Terms of Use: https://budgetgen.app/terms ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | BudgetGen Monthly | $8.99 | per month | | BudgetGen Monthly | $10.99 | per month | | BudgetGen 3 Months | $24.99 | per 3 months | | BudgetGen Yearly | $69.99 | per year | | BudgetGen Yearly | $49.99 | per year | | BudgetGen Monthly | $9.99 | per month | ## Is BudgetGen safe? Not enough ratings yet to assess BudgetGen. ## Is BudgetGen legit? BudgetGen: Paycheck Budget appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for BudgetGen is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.3.2 — 2026-11-12 Linking your bank is simpler • A clearer "Link your accounts" screen that tells you what happens next. • Clear help if something goes wrong: your bank isn't answering, the sign-in didn't finish, or you can't find your bank. A more accurate number • Subscriptions we find in your spending are now set aside before payday too, so what's safe to spend is closer to the truth. • If one big purchase is why you're ahead of your usual, Today tells you. A cleaner Today • Your number, one line on how you're doing compared with your usual, and a question to ask in one tap. A page for every bill and subscription • See its charges, add a note, rename it, find how to cancel, or mark it "Not a bill". Plan and Money, tidied up • Plan keeps Pay, Bills, Subscriptions, Budgets and Goals in one place. • Money shows what you have and owe at a glance, with your linked banks one tap away. Better budgets • Suggested budgets are now based on your usual everyday spending, never your bills, and tell you when they won't fit. • Category icons, and you can remove one budget or clear them all. Where it went • Bars now show each category's share, and you can sort purchases that need a category. Plus fixes and improvements to bank connections. ### 1.3.1 — 2026-11-08 A fresh look, built around your number. • Today: see what's safe to spend until payday, at a glance, and how your spending compares with your usual. • Plan: a new tab for what's coming. See where your next pay goes first, your bills before and after payday, budgets for each pay period, and your goals. • Money: a new tab for what's happened. Your accounts, recent spending, where it went, and your debts. • Widgets: put your safe-to-spend number on your Home Screen or Lock Screen. • Payoff plan: choose an extra amount each payday and see your debt-free date. • Short reads: one-minute explainers about how your number works. • Choose which accounts count toward safe to spend. • Fixes and improvements throughout. ### 1.3.0 — 2026-11-03 See your number before you pay • Connect your bank during setup and BudgetGen reads your accounts, pay, bills and subscriptions first, so you see what's safe to spend from your real numbers before your free trial starts. • Rather type your numbers in? Setup is now shorter: fewer questions, your other bills as one monthly total, and your number now shows about how much you can spend each day, with your bills held back on their dates. Credit card due dates • For supported banks, BudgetGen now reads your card's due date, statement balance and minimum payment, and reminds you 3 days before a payment is due. • Ask the chat "When is my Visa due?" or "Can I pay off my card?" • Already connected? You'll be asked once to allow card details the next time your bank asks you to sign in again. Smarter notifications • Choose how often you hear your morning number: every day, twice a week or once a week. • After your bank's first scan, we'll tell you what we found. • Even small subscription price rises from your bank are flagged. • If your bank needs you to sign in again, you'll still hear about pay, renewals and charges we've already seen. • No more than two reminders a day. Also • Colour icons for account groups and spending categories. • Fixes and improvements. ### 1.2.0 — 2026-10-27 SUBSCRIPTIONS, ALL IN ONE PLACE • Connect your bank and BudgetGen finds your subscriptions for you: streaming, music, apps, gyms and memberships, with what they cost you each month. • Typing your numbers in? Add your own from a list of popular services in a few taps. • Find them under Finances → Subscriptions, or just ask in the chat: "What do I subscribe to?" • New ones and price changes are flagged, so nothing sneaks up on you. KNOW BEFORE IT RENEWS • Get a reminder before a monthly or yearly subscription renews. Choose 1 week, 2 days or 1 day ahead in Settings → Reminders. HOW TO CANCEL • Tap any subscription for the steps to cancel it and a link to the right page. BudgetGen never sees your logins and doesn't cancel anything for you; it just shows you the way. • Already cancelled one? Tap "I cancelled it" and we'll stop counting it. If it charges you again, we'll let you know. WIDGETS • Add BudgetGen to your Home Screen to see what's safe to spend at a glance, with a bar that fills toward payday. • A Lock Screen widget too. It shows your amount only if you turn that on. A FASTER CHAT • The suggestions in an empty chat now answer instantly. • If a question takes longer, BudgetGen tells you it's still working. CONNECTING YOUR BANK, MADE EASIER • Before you start, we tell you which login to have ready: the one for your bank's own app or website. • Clearer messages if your bank turns down a login or asks you to try again later, and a fresh start when you tap Try again. • Prefer not to connect? You can enter your numbers yourself instead, anytime. ALSO • Each budget category now has its own icon. • An Add button on every Finances tab. • "Paycheck" for those who say paycheck, "paycheque" for those who say paycheque. • Bug fixes and small improvements. ### 1.1.0 — 2026-10-20 Connect your bank You can now connect your bank, in the US or Canada, through Plaid. BudgetGen reads your accounts, balances and transactions, finds your pay and bills, and keeps what's safe to spend up to date for you. It can only read: it can't move money. Disconnect any time in Settings > Connected banks. Heads-ups that matter With a bank connected, BudgetGen lets you know when your pay arrives, when a bill goes up or hasn't shown as paid, and if you're heading short before payday. Tap one and the chat opens with the question ready to ask. Also new • Merchant logos on your transactions and bills. • Plan together: banks either of you connects are shown to both of you. • Logging a payment that looks like one of your bills? BudgetGen asks whether it's that bill's payment, so it's only counted once. • Ask why a budget is over and BudgetGen explains what it counted. • Easier to read with larger text sizes. Prefer to type it in? Everything works as before. You can connect a bank later: once it has been read, your typed accounts, pay, bills and expenses are replaced by the bank's, and your budgets and goals stay. ## Apps similar to BudgetGen | App | Rating | Price | Category | | --- | --- | --- | --- | | [Paycheck Budget - DaTrack](https://appshunter.io/ios/app/paycheck-budget-datrack/id6760328162) | 4.8 (786) | Free | Finance | | [Waypoint Budget Planner App](https://appshunter.io/ios/app/waypoint-budget-planner-app/id6781432747) | 5.0 (3) | Free | Finance | | [Owl Budget: Budget Planner App](https://appshunter.io/ios/app/owl-budget-budget-planner-app/id6754390515) | 4.8 (27) | Free | Finance | | [Monthly: Bill & Budget Planner](https://appshunter.io/ios/app/monthly-bill-and-budget-planner/id6760183749) | 4.7 (50) | Free | Finance | | [TapSheet: Budget App](https://appshunter.io/ios/app/tapsheet-budget-app/id6757964945) | 4.6 (280) | Free | Finance | | [Budgeting App - Spend Tracker](https://appshunter.io/ios/app/budgeting-app-spend-tracker/id1636460435) | 4.7 (100) | Free | Finance | ## More apps by Austin Pennyfeather - [Quoting Life (QL)](https://appshunter.io/ios/app/quoting-life-ql/id6748720196) - [Bellevo: Beauty for Customers](https://appshunter.io/ios/app/bellevo-beauty-for-customers/id6755319516) - [Bellevo: Beauty for Business](https://appshunter.io/ios/app/bellevo-beauty-for-business/id6755851994) - [FirstSpar: Work Conversations](https://appshunter.io/ios/app/firstspar-work-conversations/id6803308812) All apps by Austin Pennyfeather: https://appshunter.io/developer/1785763573 ## Related topics [budgeting app for teens](https://appshunter.io/ios/topics/budgeting-app-for-teens) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-13.*