Paycheck Planner: Bills

Category budgeting doesn't work when you live paycheck to paycheck. You don't need forty envelopes. You need the answer to one question: "After the bills that are still coming before my next payday, how much can I actually spend?" That's the whole app. One number, on the front screen, honest. HOW IT WORKS • Enter your balance, your paycheck, and your bills — once • Paycheck Planner works out which bills land before your next payday • It subtracts them, and shows you what's left: your Safe to Spend • Plus a daily allowance, so you know how to pace it BUILT FOR REAL PAY SCHEDULES Biweekly that drifts across the month. Semimonthly on the 1st and the 15th. Monthly on the 31st in a month that only has 30 days. The date maths is the hard part, and it is done properly. WHAT YOU GET • Safe to Spend, front and centre • Next payday and the days until it • Bills still due before then, and which are already paid • A daily allowance • One-tap spend logging • Trends and charts across pay cycles • A buffer setting, if you like to hold a cushion back NO BANK LINKING — ON PURPOSE Paycheck Planner never asks for bank credentials and has no bank connection. You type in your balance. Everything is calculated on your device. There is no account, no cloud, and no network request of any kind. No analytics, no tracking, no ads. FREE, WITH AN OPTIONAL ONE-TIME UNLOCK Free: one income source, up to 5 bills, Safe to Spend, and spend logging. Full Unlock adds unlimited bills, multiple income sources, Trends and charts, and the buffer. One-time — not a subscription. Paycheck Planner is a budgeting tool, not financial advice.