# PayDream

> Personal finance planner for income, spending, savings goals, and scenario simulation. (iPhone/iPad app by Paydream LLC.)

- Source: https://appshunter.io/ios/app/paydream/id6803732166 (this page in markdown: same URL + `.md`)
- Developer: [Paydream LLC](https://appshunter.io/developer/6803732168)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 12+
- Requires: iOS 15.1 · 39 MB
- Languages: American English
- Released: 2026-09-03
- Data updated: 2026-10-09
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/paydream/id6803732166/reviews.md

## What is PayDream?

Build a clearer plan for the life you want.

PayDream brings your income, spending, recurring payments, and savings goals together in one simple planning experience. See what remains each month, understand how quickly you can reach your goals, and explore changes before applying them to your plan.

Plan your month: 
Enter your monthly income and organize spending into categories that reflect your real life. PayDream calculates your estimated monthly reserve and savings rate so you can understand where you stand.

Turn dreams into goals: 
Create savings goals, choose target dates, record contributions, and follow your progress over time. PayDream shows how your available monthly reserve can help move each goal forward.

See your life plan: 
View your goals together on a chronological timeline. Understand which goals are approaching, how they fit together, and what your current plan could accomplish.

Explore before making changes:
Use the Make It Happen simulator to test different income, spending, and savings scenarios. Nothing changes in your actual plan unless you choose to apply it.

Stay organized:
Track recurring payments, customize spending categories, receive optional payday and milestone reminders, and keep selected goals visible with supported home-screen widgets.

Plan together:
Invite trusted people to participate in shared savings goals, record contributions, and follow progress together.

Your information stays under your control:
PayDream does not connect to your bank, move money, hold funds, or execute payments. You can review your information, export your account data, and permanently delete your account from the app.

PayDream provides budgeting and lifestyle-planning estimates based on the information you enter. It does not provide financial, investment, tax, accounting, or legal advice.

## Key features

- Consolidate income and spending
- Create and track savings goals
- Visualize goals on a timeline
- Simulate financial scenarios
- Track recurring payments
- Share savings goals

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/paydream/id6803732166/reviews.md

### 5/5 — I’ve tried budgeting apps before, but PayDream feels completely different!

*2026-09-05*

Instead of just showing me where my money went, it actually shows me what my money can help me accomplish.

### 5/5 — Great planning tool

*2026-09-03*

Love the app and how easy it is to use. I can add my budget, set goals, and see everything in one place. It also tells me how close I am to certain financial goals based on my current budget. Really helpful seeing where your money’s going and what you can do with it for travel, savings, etc.

## Frequently asked questions about PayDream

### Does PayDream have ads?

No, PayDream is ad-free. You can use the app without any interruptions from advertisements.

### What devices does PayDream support?

PayDream is available on iPhone and iPod devices. It is designed for Apple's mobile operating system.

### How often is PayDream updated?

The latest version of PayDream is 1.0.18, last updated on October 7, 2026. Updates are released periodically to improve functionality and add features.

### Is PayDream secure?

Yes, PayDream prioritizes user control and privacy. It does not connect to your bank, move money, or hold funds, ensuring your financial information remains private.

### Can I export my data from PayDream?

Yes, you can review your information and export your account data from PayDream. You also have the option to permanently delete your account.

### What is the age rating for PayDream?

PayDream has an age rating of 12+. This indicates it is suitable for users aged 12 and older.

### Does PayDream connect to my bank account?

No, PayDream does not connect to your bank account. It operates by using the information you manually enter, ensuring your banking details are not shared.

### What kind of advice does PayDream provide?

PayDream provides budgeting and lifestyle-planning estimates based on your input. It does not offer financial, investment, tax, accounting, or legal advice.

## Version history (last 4 releases)

### 1.0.18 — 2026-10-07

- Corrected goal savings calculations and completion estimates.
- Improved consistency between goal progress, target dates, and savings plans.
- Improved goal syncing for more reliable widget “Add Money” actions.
- Restored the original intro animation and fixed duplicate playback.

### 1.0.10 — 2026-09-09

What’s New in Version 1.0.10

We improved PayDream’s iPhone widgets for more reliable updates in App Store and TestFlight builds.

• Improved syncing for personal and shared savings goals  

• More reliable Home Screen and Lock Screen widget refreshes  

• Added widget status and manual refresh controls in Profile  

• Improved communication between PayDream and WidgetKit  

• Additional stability improvements and bug fixes

### 1.0.4 — 2026-09-04

• View your personal and shared goals from your Home Screen or Lock Screen

• See your available monthly surplus at a glance

• Quickly contribute toward your goals

• Widgets securely display goals from your own PayDream profile

• Improved widget syncing and account switching

• General performance and reliability improvements

### 1.0 — 2026-09-03

No release notes.

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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 2026-10-09.*