Pay Time: Personal Budget

Your money. Your rules. Pay Time brings your monthly budget, bills and debt into one clear place. Add the items you need, choose your amounts and payment dates, and see how your month is shaping up. YOUR BUDGET, YOUR WAY Create, rename, edit and reorder your budget items. Organize fixed and variable expenses, then expand or collapse each group to focus on what matters. SEE THE MONTH AHEAD Record income by pay period and add extra income whenever you need. Keep expected and received income separate, and see whether your planned month ends with money left over or a shortfall. RECORD PAYMENTS ONCE Log a full payment or a partial payment. Pay Time updates what you have paid and what is still due, while keeping your payment history. KEEP TRACK OF DEBT Create your debts and link payments from your budget. Recurring links save you from linking the same item every month. Record new charges, interest and adjustments manually to keep balances up to date. REMEMBER PAYMENT DATES Choose payment reminders for the due date and in advance, at a time that works for you. KEEP YOUR HISTORY Return to previous months, reuse a monthly budget, and export or import a backup when you choose. MAKE IT COMFORTABLE Switch between English and Spanish, choose your number format, use light or dark mode, and adjust text size. No account required. No bank connection. No ads. Your budget is stored locally on your device. Pay Time is a manual budgeting tool. It does not make payments, connect to creditors or calculate interest automatically. Debt balances reflect the entries you record.