# Pay Time: Personal Budget — Budget, Bills & Debt Tracker

> Budget, Bills & Debt Tracker (iPhone/iPad app by Cesar Sanchez.)

- Source: https://appshunter.io/ios/app/pay-time-personal-budget/id6822906046 (this page in markdown: same URL + `.md`)
- Developer: [Cesar Sanchez](https://appshunter.io/developer/1850145557)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 31 MB
- Languages: American English
- Released: 2026-11-01
- Data updated: 2026-11-02

## What is Pay Time?

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.

## Is Pay Time safe?

Not enough ratings yet to assess Pay Time.

## Is Pay Time legit?

Pay Time: Personal Budget appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Pay Time is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-11-01

No release notes.

## More apps by Cesar Sanchez

- [Pray Time 7](https://appshunter.io/ios/app/pray-time-7/id6754796869)
- [Role Time](https://appshunter.io/ios/app/role-time/id6826281613)

All apps by Cesar Sanchez: https://appshunter.io/developer/1850145557

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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 2026-11-02.*