# Payday Buckets — Bill Budget & Sinking Funds > Personal finance app for paycheck-based budgeting and sinking funds. (iPhone/iPad app by Nathan Booth.) - Source: https://appshunter.io/ios/app/payday-buckets/id6770819645 (this page in markdown: same URL + `.md`) - Developer: [Nathan Booth](https://appshunter.io/developer/1878878289) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.6 · 12 MB - Languages: American English - Released: 2026-07-02 - Data updated: 2026-09-05 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/payday-buckets/id6770819645/reviews.md ## What is Payday Buckets? Tired of spreadsheets, sticky notes and paycheck guesswork? Payday Buckets answers one simple question: “What do I move this payday?” Set up the bills, savings goals and irregular expenses you want to plan for. Tell Payday Buckets when you get paid, and it calculates what to set aside in each bucket every payday. Use it for sinking funds, envelope budgeting, sub-savings accounts, bill planning, subscriptions, yearly expenses, savings goals and everyday categories. WHY PAYDAY BUCKETS • Plan around your real pay cycle — weekly, biweekly, monthly, twice monthly, or a custom interval. • Built for buckets and sinking funds, not endless transaction tracking. • Know what to move each payday before the money disappears. • No bank login required. • Your data is stored locally on your device. • iCloud sync keeps your iPhone and iPad up to date using your private iCloud account. • Designed for people who already use separate accounts, buckets or savings spaces and want a simple way to manage them. HOW IT WORKS 1. Create the buckets that matter — bills, savings goals, subscriptions, irregular expenses and everyday categories. 2. Choose how each bucket should be funded — by due date, fixed amount, top-up to target, or manual. 3. On payday, run your payday plan. 4. Payday Buckets shows exactly what to move into each bucket. 5. Mark bills as paid and keep your bucket balances up to date. FEATURES • Guided Simple Mode for quick bucket setup • Advanced editor for detailed bucket planning • Weekly, biweekly, monthly, twice-monthly and custom pay schedules • Smart payday plans for bills, savings goals, subscriptions and irregular expenses • Scheduled transactions for recurring bills, income and transfers • Upcoming bills view with overdue, 7-day, 30-day and later sections • Insights for bucket forecasts, monthly outlook and budget balancing • Payday plan history • Local reminders for payday, bills, transfers and underfunded buckets • Rename, recolor and organize categories • iCloud sync across iPhone and iPad • Light, Dark and System themes • Dynamic Type and VoiceOver support • CSV export and JSON backup PREMIUM Payday Buckets is free to try with up to 5 active buckets. Upgrade to Premium for: • Unlimited active buckets • Unlimited scheduled transactions PRIVACY Payday Buckets does not require bank access. Your budgeting data is stored locally on your device. If you turn on iCloud sync, your data syncs through your private iCloud account, not through a Payday Buckets budgeting server. SUPPORT Questions or feedback? Get in touch from Settings → About inside the app. Stop guessing what to set aside. Start every payday with a clear plan. What’s New 1.0 First release of Payday Buckets! Plan each payday around your bills, savings goals, subscriptions and sinking funds. • Create buckets for the things you need to fund • Set your pay schedule • Run a payday plan to see what to move into each bucket • Track scheduled bills and recurring transactions • View upcoming bills and bucket forecasts • Sync across iPhone and iPad with iCloud sync • Export your data with CSV and JSON backup Thanks for trying Payday Buckets — your feedback will help shape what comes next. ## Key features - Paycheck-based financial planning - Bucket and sinking fund management - Customizable pay schedules - Bill and savings goal tracking - Local data storage - iCloud sync for iPhone and iPad - CSV export and JSON backup ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Payday Buckets Pro | $12.99 | one-time | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/payday-buckets/id6770819645/reviews.md ### 5/5 — Really helpful for budgeting!!! *2026-07-29* I’ve tried a number of budgeting apps over the years, but Payday Buckets is by far one of the simplest and most effective. The bucket system makes it incredibly easy to stay on top of bills, savings goals and everyday spending without feeling overwhelmed. The app is clean, intuitive and clearly designed by someone who understands how real people budget. I especially like being able to plan ahead and see exactly where my money is allocated before payday arrives. The developer is actively improving the app too, with regular updates and useful new features rather than unnecessary clutter. If you’re looking for a practical way to manage your finances and avoid bill stress, I highly recommend giving Payday Buckets a try. **Developer response:** Thanks for the great feedback, I really appreciate it! ## Frequently asked questions about Payday Buckets ### How does Payday Buckets help me budget? Payday Buckets simplifies budgeting by focusing on 'buckets' for bills, savings, and expenses. It calculates precisely what amount to allocate from each paycheck to these buckets, eliminating guesswork and spreadsheet reliance. ### What is the difference between the free and Premium versions of Payday Buckets? The free version of Payday Buckets allows you to use up to 5 active buckets. Upgrading to Premium unlocks unlimited active buckets and unlimited scheduled transactions, offering full functionality for comprehensive financial planning. ### Is Payday Buckets secure? Yes, Payday Buckets prioritizes your privacy and security. It does not require bank login access, and your budgeting data is stored locally on your device. If iCloud sync is enabled, data is synced privately through your iCloud account. ### On which devices can I use Payday Buckets? Payday Buckets is available for iPhone and iPad, supporting Dynamic Type and VoiceOver for accessibility. iCloud sync ensures your data is consistent across both devices. ### How often is Payday Buckets updated? The app was first released on July 2, 2026, with its latest update on July 15, 2026. This indicates a recent update frequency, suggesting ongoing development and support. ### Can I export my data from Payday Buckets? Yes, Payday Buckets offers data export options. You can export your budgeting data in CSV format and create JSON backups, allowing you to use your financial information outside the app. ### What types of pay schedules does Payday Buckets support? Payday Buckets is designed to accommodate various income frequencies. It supports weekly, biweekly, monthly, twice-monthly, and custom pay intervals, ensuring it fits your unique pay cycle. ### Does Payday Buckets have ads? No, Payday Buckets does not contain advertisements. The app is free to try with premium features available via a one-time purchase or subscription, ensuring an ad-free budgeting experience. ## Version history (last 2 releases) ### 1.1.0 — 2026-07-15 • Review transactions from every bucket in one place, with bucket and time-period filters. • Skip a scheduled transaction without changing your bucket balance. • Process incoming and outgoing scheduled transactions up to three days early. • Use remainder funding with Savings, Spending, or Irregular buckets. • Enjoy improved navigation, including an adaptive sidebar on iPad. ### 1.0.1 — 2026-07-02 No release notes. ## More apps by Nathan Booth - [LumioCalc: Math Calculator](https://appshunter.io/ios/app/lumiocalc-math-calculator/id6759477183) All apps by Nathan Booth: https://appshunter.io/developer/1878878289 --- *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 2026-09-05.*