Noarm: Payday Planner

Know what is left before your next payday. Noarm brings your checking and cash balances, upcoming bills, daily allowance and cushion into one clear estimate. Enter your own amounts, see the calculation, and check a purchase before you make it. UNTIL PAYDAY Set your next payday, add your balances, and choose an everyday allowance and a cushion. Expected pay stays out of the estimate until you record it as received. BILLS YOU CAN FOLLOW Add one-time or recurring bills. See what is due before payday, including overdue bills. Recording a bill as paid creates the expense without subtracting it twice from your estimate. CHECK A PURCHASE Try an amount to see what would remain after your planned bills, allowance and cushion. A purchase check does not record a transaction or move money. UNDERSTAND YOUR NUMBERS Open the calculation to see the balances and reserves behind the estimate. Correct a balance when your records change. Review transactions and category budgets, and export your transactions as CSV. ON YOUR WRIST Optionally send a dated, read-only plan to your paired Apple Watch. See your estimate, calculation and upcoming bills. Open Noarm on iPhone to update it; make changes on your phone. Watch sync is off until you enable it in Settings. ON YOUR DEVICES No sign-up is required. Financial entries stay on your devices in this release. Optional app lock uses your device passcode or biometrics, and optional bill reminders use local notifications. Noarm 1.0 uses manual entries in US dollars. It does not connect to banks, transfer money, or provide AI-generated advice. Savings, credit cards and other currencies are excluded from the payday estimate. Your estimate depends on the balances and schedules you enter; it is a planning tool, not a guarantee of available funds. You can try a clearly labeled fictional sample plan before entering your own numbers.