# Covered: Budget by Paycheck — Bills, paydays & safe to spend

> Bills, paydays & safe to spend (iPhone/iPad app by Ryan Smith.)

- Source: https://appshunter.io/ios/app/covered-budget-by-paycheck/id6822464097 (this page in markdown: same URL + `.md`)
- Developer: [Ryan Smith](https://appshunter.io/developer/6822464099)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 4 MB
- Languages: American English
- Released: 2026-10-14
- Data updated: 2026-10-17

## What is Covered?

Know what's safe to spend, every paycheck.

Covered plans your money the way you actually get paid: one paycheck at a time. Tell it how often you're paid and what your bills are, and it puts every bill on the paycheck that has to cover it, before it's due. Then it shows the one number that matters: what's left to spend until payday.

EVERY BILL ON THE RIGHT PAYCHECK
• Weekly, every-2-weeks, twice-a-month or monthly pay
• Bills land on the paycheck before their due date, automatically
• Monthly, every-2-weeks, weekly, quarterly and yearly bills
• 3rd-paycheck months spotted for you
• Move a bill to another paycheck with one tap

SHORT CHECK? FIXED BEFORE IT HAPPENS
• Your next eight paychecks, each with its own plan
• Covered flags a paycheck that will run short, weeks ahead
• One-tap fix: pay a bill early from the check before, or skip a savings set-aside

KNOW WHAT'S SAFE TO SPEND
• Left to spend until payday, and how much a day
• "Can I afford it?" Type a price, get a straight answer
• Log spending in seconds with a big number pad and categories
• See where each paycheck went, by category
• Enter what actually landed when your pay changes, and add extra income

SAVINGS FIRST
• Savings goals set aside from every paycheck
• See the date you'll reach each goal

ON YOUR HOME SCREEN AND LOCK SCREEN
• Widgets for what's left, days to payday and bills due
• Ready for StandBy
• Siri: "What's left in Covered?" and "Log spending in Covered"

REMINDERS THAT HELP
• Payday: what's yours to spend after bills
• The day before a bill is due
• A heads-up three days before a paycheck runs short

PRIVATE BY DESIGN
• No bank login, no account, no ads, no tracking
• Your budget stays on your phone, with an optional copy in your own iCloud
• Optional Face ID lock
• Backup files and CSV export any time

MADE FOR IPHONE DUO
Close it and the cover screen shows what's left to spend. Open it and your paycheck sits on one side, its bills and plan on the other. Covered works on every other iPhone too.

PAY ONCE. NO SUBSCRIPTION.
Try every feature free for 14 days, with no card on file. After that, a one-time $19.99 unlock keeps Covered planning for good, and Family Sharing covers your household. If you don't unlock, your plan stays viewable and exportable.

Covered is for budgeting and information only; it is not financial advice.
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Covered Lifetime | $19.99 | one-time |
| 14-day Trial | Free | one-time |


## Is Covered safe?

Not enough ratings yet to assess Covered.

## Is Covered legit?

Covered: Budget by Paycheck has limited verification signals. The AppsHunter Legitimacy Score for Covered is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-15

No release notes.

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*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 2026-10-17.*