# Just Got Paid — Know what's safe to spend

> Know what's safe to spend (iPhone/iPad app by Larry Chapman.)

- Source: https://appshunter.io/ios/app/just-got-paid/id6781446819 (this page in markdown: same URL + `.md`)
- Developer: [Larry Chapman](https://appshunter.io/developer/6781446821)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 39 MB
- Languages: American English
- Released: 2026-06-30
- Data updated: 2026-09-26

## What is Just Got Paid?

Your bank balance lies to you. It doesn't know rent is due Friday.

Just Got Paid does.

It looks at the bills coming up, the paychecks coming in, and the money you want to keep as a cushion. Then it answers the question your bank balance can't:

How much can I actually spend today?

SAFE TO SPEND

Open Just Got Paid and you won't just see a bank balance. You'll see what actually matters:

What's safe to spend.

We look ahead at everything coming in and going out and make sure the money you spend today won't leave you short for something later.

So when it says you have $320 safe to spend, that $320 is yours to use without wondering whether you just spent the electric bill.

CAN I AFFORD IT?

You're standing in a store looking at something that costs $275.

Instead of doing mental math or hoping your balance is enough, ask Just Got Paid.

“Can I afford $275?”

You might get an answer like:

“Not quite. Spending $275 today would put you $212 short on the 26th. You could safely spend $190 today — or wait until Friday and afford the full amount.”

That's the kind of answer budgeting should give you.

Not another chart.

Not another category.

Just: Can I afford it?

KNOW ABOUT MONEY PROBLEMS BEFORE THEY HAPPEN

Most banking apps tell you there's a problem after your balance gets low.

Just Got Paid looks ahead.

You might see:

“Your balance is projected to fall to $63 on August 26 — two days before your next deposit.”

And we'll show you why.

Rent.
Car payment.
Electric bill.

Because a money problem that's three weeks away is usually much easier to solve than one happening tomorrow.

MEET PENNY

Penny is your personal budgeting assistant inside Just Got Paid.

Ask questions the way you'd ask a person:

“Can I put another $500 toward my mortgage this month?”

“Can we afford a weekend trip?”

“How much can I spend until payday?”

Penny looks at your upcoming bills, income, and forecast and gives you an answer based on your actual situation — not generic financial advice.

CONNECT YOUR BANK AND LET US DO THE BUSYWORK

Connect your accounts securely through Plaid and Just Got Paid can keep your balances and transactions up to date automatically.

It can also notice things that happen regularly — your paycheck, Netflix, utilities, insurance — and offer to track them for you.

Because setting up a budgeting app shouldn't become another chore.

AND THERE'S A LOT MORE

• See where your money is headed day by day
• Track checking, savings, and credit cards together
• Mark bills paid and income received with one tap
• Decide which paycheck will cover each bill
• Plan credit-card payments and avoid unnecessary interest
• Build debt payoff plans using snowball or avalanche
• Review where your money went — and where it's going
• Export reports to PDF or Excel
• Share a household budget with your partner
• Import statements and transactions instead of entering everything manually

BUILT AROUND THE WAY YOU ACTUALLY GET PAID

Weekly. Every two weeks. Twice a month. Monthly. Irregular income.

Just Got Paid doesn't force your life into an average monthly budget.

It works with the money that's actually coming in and the bills that are actually coming due.

YOUR MONEY. YOUR DATA.

Bank connections are handled securely through Plaid, so Just Got Paid never sees your banking password.

You can export your information or delete it whenever you want.

And we don't sell your financial data.

START FREE

Just Got Paid is free to start.

Plus and Family plans add deeper forecasting, household sharing, Penny, and additional planning tools.

Stop wondering if you can afford it. Know.

Just Got Paid.

Just Got Paid is a budgeting tool and does not provide licensed financial advice. For major financial decisions, consider speaking with a qualified professional.

Terms of Use (EULA): https://www.justgotpaid.net/terms
Privacy Policy: https://www.justgotpaid.net/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Plus | $7.99 | per month |
| Family | $12.99 | per month |
| Plus Yearly | $79.99 | per year |
| Family Yearly | $129.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Founders' Lifetime | $199.00 | one-time |


## Is Just Got Paid safe?

Not enough ratings yet to assess Just Got Paid.

## Is Just Got Paid legit?

Just Got Paid has limited verification signals. The AppsHunter Legitimacy Score for Just Got Paid is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.10 — 2026-08-31

Matching, wherever you need it.

• Match a bank transaction straight from your dashboard — bills and card charges both. If we already spotted a likely match, one tap confirms it.
• A match now updates the bill or paycheck itself: it picks up the amount that actually moved and follows the date it actually landed, so next month starts from what really happened.
• Paid a bill out of a different account this month? Turn on "Also search my other connected accounts" and match it there — the right balance moves, and the bill keeps its usual account for next time.
• Budget Planner now values every-2-weeks money correctly: 26 paychecks a year, not 24.

### 1.9 — 2026-08-29

Find a Pro, and a new name.

• Find a Pro — when your numbers suggest you would benefit from real expertise, get introduced to vetted financial professionals: CFP® practitioners, CPAs, registered investment advisers, estate attorneys and more. How anyone is compensated is always disclosed up front, and nothing about your finances is shared without your explicit say-so. Rolling out in Texas first.
• We are now Just Got Paid, at justgotpaid.net. Same app, same data, same login — it is the name and web address that have changed.

### 1.8 — 2026-08-22

Know what you can safely spend — today and every day ahead.

• Your home screen now leads with Safe to Spend: what's genuinely yours after every bill between now and your next paycheck, and your cushion.

• New — Can I afford it? Type a price and see exactly what it does to the days ahead, before you spend it.

• Low balance ahead? We now warn you early, show what's causing it, and tell you what would help.

• Penny can now read your forecast, so "can I afford this in September?" gets a real date and a real number.

### 1.6 — 2026-08-16

Fixes a crash on opening, plus more control over card payments.

• Fixed a bug that could stop the app from opening.
• Choose how much of a credit-card statement you plan to pay — all of it, a percentage, or a set amount — for one statement or for every one.
• Optionally set that money aside from today, so it is held across every pay period until the payment is due and paying early costs you nothing extra.

### 1.5 — 2026-08-12

Credit cards, measured the right way.

• A credit card is now judged against its statement cycle instead of the calendar month, so a card you pay on time no longer looks like you're running short.
• See what was billed at the last statement close, what you've paid toward it, and what's still due.
• Every form now has a clear way out — a Cancel button on each screen, and a prompt before unsaved edits are discarded.

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## More apps by Larry Chapman

- [Collabro Studio](https://appshunter.io/ios/app/collabro-studio/id6782520358)

All apps by Larry Chapman: https://appshunter.io/developer/6781446821

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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 2026-09-26.*