# PayCheck Budget — Plan by Paycheck, Not Monthly > Paycheck-based budgeting app with cash flow forecasting and dual-income support. (iPhone/iPad app by Nathan Haring.) - Source: https://appshunter.io/ios/app/paycheck-budget/id6755057631 (this page in markdown: same URL + `.md`) - Developer: [Nathan Haring](https://appshunter.io/developer/1851630855) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 4.60/5 from 8 App Store ratings - Age rating: 4+ - Requires: iOS 18.6 · 22 MB - Languages: American English - Released: 2026-01-01 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/paycheck-budget/id6755057631/reviews.md ## What is PayCheck Budget? PayCheck Budget is built for people who budget by paycheck, not by month. It is made for anyone paid semi-monthly, biweekly, weekly, monthly, or on an irregular schedule. Know what is safe to spend today and what you will have left all the way to payday. WHY IT IS DIFFERENT Budget by paycheck instead of forcing everything into one monthly view. Plan around semi-monthly, biweekly, weekly, monthly, or irregular income. Use Dual-Income Household support to combine two incomes into one plan. See a Cash Flow Forecast timeline with upcoming paychecks, bills, and running balance. Assign bills to the paycheck that actually needs to cover them. Get a safe-to-spend number that adapts to the days left until payday. Share with a partner through private iCloud sync, with no separate account required. Check your budget or log purchases quickly from Apple Watch. Scan receipts to capture purchases faster. Export reports in PDF or CSV when you need them. CASH FLOW FORECAST See your money the way real life works: A timeline of paychecks and bills in date order Running balance after each income and expense Early warning for tight weeks before they surprise you Planning built around payday, not just the calendar month CAN I AFFORD IT? Standing in a store wondering if a purchase fits? Get an instant answer: Safe-to-spend based on time until payday Which paycheck has more room Category impact and strain warnings One-tap add expense PAYCHECK BUDDY Ask questions like: “Am I on pace this paycheck?” “How much did I spend on dining?” “Can I afford $120 today?” Paycheck Buddy runs on device. Your budget questions are not sent to my servers. PRIVACY FIRST No bank linking. No separate account. Your data stays on your device and can sync through your private iCloud. I cannot see, sell, or share your budget data. SUBSCRIPTION Premium unlocks paycheck budgeting, dual-income support, cash-flow forecasting, iCloud sharing, Apple Watch support, receipt scanning, reports, and Paycheck Buddy. Current U.S. promotional pricing: Monthly: $3.99/month for eligible customers Annual: $29.99/year for eligible customers Standard pricing, offer eligibility, renewal terms, and any promotional details are shown before purchase and may vary by storefront. Privacy Policy: https://paycheckbudget.com/privacy Terms of Use: https://paycheckbudget.com/terms ## Key features - Budget by paycheck - Cash flow forecast timeline - Safe-to-spend calculation - Dual-income household support - Receipt scanning - Apple Watch integration - Private iCloud sync ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Subscription | $7.99 | per month | | Annual Subscription | $79.99 | per year | ## Frequently asked questions about PayCheck Budget ### How does PayCheck Budget handle different pay frequencies? PayCheck Budget is designed for various pay cycles, including semi-monthly, biweekly, weekly, monthly, or irregular schedules. It allows you to plan your budget around the specific dates you receive income. ### What is the 'safe-to-spend' feature in PayCheck Budget? The safe-to-spend feature calculates how much money you can comfortably spend today based on your upcoming bills and the time remaining until your next payday. It adapts dynamically to help prevent overspending. ### Can PayCheck Budget be used by couples or households with two incomes? Yes, PayCheck Budget offers Dual-Income Household support. This feature allows you to combine two incomes into a single, unified budget plan for better household financial management. ### Does PayCheck Budget require linking bank accounts? No, PayCheck Budget prioritizes privacy and does not require bank linking. Your budget data stays on your device and can sync via private iCloud, ensuring your financial information is not shared. ### What features are included in the premium subscription for PayCheck Budget? The premium subscription unlocks advanced features such as paycheck budgeting, dual-income support, cash-flow forecasting, iCloud sharing, Apple Watch support, receipt scanning, detailed reports, and the Paycheck Buddy assistant. ### What are the subscription costs for PayCheck Budget? Promotional pricing in the U.S. includes a monthly option at $3.99/month and an annual option at $29.99/year for eligible customers. Standard pricing and offer details are shown before purchase. ### How often is PayCheck Budget updated? The app was last updated on May 22, 2026, indicating active development and support. Users can expect ongoing improvements and feature additions. ### What devices does PayCheck Budget support? PayCheck Budget is available on Apple Watch, iPhone, and iPad. This allows for convenient access and management of your budget across multiple Apple devices. ## Version history (last 5 releases) ### 3.1.0 — 2026-08-22 Bills now have a frequency. Set a bill to repeat every paycheck, monthly, or annually and PayCheck Budget works out how it lands across your paychecks — including those months where being paid every two weeks gives you three. • Every paycheck — for the bills you pay each payday, like childcare or a car payment. The full amount, every time. • Monthly — carried forward automatically, with its due date. • Annual — spread across the paychecks between now and the due date, so the bill is covered before it arrives. Also in this update: • PayCheck Buddy's upcoming bills list now actually shows them • Safe to Spend in the widget is more accurate • Fixed several issues with recurring bills, including bills appearing in months they shouldn't • Bills marked paid no longer carry that over into the next month ### 3.0.9 — 2026-07-28 PayCheck Buddy fixes • "Find Savings" now gives you a real breakdown of where your money is actually going, by category • "Create Goal" now turns a saved calculation into an actual savings goal, and keeps the two linked • Removed a shortcut that wasn't ready yet Manage your membership anytime Your status and upgrade options now live in Settings. ### 3.0.8 — 2026-06-02 This update focuses on making PayCheck Budget easier to start, restore, and keep using. - Improved first-time budget setup so paycheck and bill details are entered before the premium prompt. - Improved Safe to Spend calculations during setup. - Improved iCloud restore behavior after reinstalling the app or returning on the same Apple ID. - Restored budget history from CloudKit before uploading new local data during reinstall recovery. - Fixed Dual-Income Household settings so monthly second-income details save correctly. - Improved subscription handling so active trials and purchases are recognized more reliably. - Updated the paywall to show current App Store offer details when available. - Reduced overlapping popups during launch and subscription flow. - Removed an internal setup testing shortcut from the live app. - General cleanup and stability improvements. ### 3.0.7 — 2026-05-22 Backend iCloud sharing updates and tools to review workflow. ### 3.0.6 — 2026-04-23 Now supports weekly paychecks. ## More apps by Nathan Haring - [Face2Face Games](https://appshunter.io/ios/app/face2face-games/id6757607470) - [RANKAN](https://appshunter.io/ios/app/rankan/id6757966098) - [GoKC – Events & City Guide](https://appshunter.io/ios/app/gokc-events-and-city-guide/id6759807753) - [BRYKK Family Safety](https://appshunter.io/ios/app/brykk-family-safety/id6761343948) All apps by Nathan Haring: https://appshunter.io/developer/1851630855 ## Related topics [paycheck budget](https://appshunter.io/ios/topics/paycheck-budget) · [paycheck budget free](https://appshunter.io/ios/topics/paycheck-budget-free) · [budgeting monthly](https://appshunter.io/ios/topics/budgeting-monthly) --- *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 2026-08-26.*