# Paykeep: Budget by Paycheck — Shift, gig & variable pay

> Shift, gig & variable pay (iPhone/iPad app by Ruth McCarthy.)

- Source: https://appshunter.io/ios/app/paykeep-budget-by-paycheck/id6793523385 (this page in markdown: same URL + `.md`)
- Developer: [Ruth McCarthy](https://appshunter.io/developer/6787998193)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 40 MB
- Languages: American English
- Released: 2026-08-27
- Data updated: 2026-09-11
- User reviews in markdown: https://appshunter.io/ios/app/paykeep-budget-by-paycheck/id6793523385/reviews.md

## What is Paykeep?

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess.

Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for.

Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you.

WHAT IT DOES
- One steady number to live on: everything above it is a bonus
- Always know what has come out this month, and what is still to pay
- Months run payday to payday, so the bills reset the day you are paid
- Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money
- Pay stubs pre-fill from the last one: entry is a check, not a chore
- Variable bills like groceries and electricity learn from what they actually cost
- Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals
- Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands
- Savings pots and loans on honest bars: the goal, the plan, and the truth
- A plain-words summary that reads your month back to you

SET UP ONCE
Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month.

PRIVATE BY DESIGN
No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay.

ONE MONTH FREE
Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only.

Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs.

Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: https://brambleapps.com/paykeep/privacy-policy.html


## Version history (last 3 releases)

### 1.0.2 — 2026-09-03

New: leave a rating from Settings, straight to the App Store.
Small fixes.

### 1.0.1 — 2026-09-02

Small fixes and improvements.

### 1.0 — 2026-08-27

No release notes.

## More apps by Ruth McCarthy

- [Funnies: Offline Kids Camera](https://appshunter.io/ios/app/funnies-offline-kids-camera/id6789633225)
- [Sector: Pilot Logbook](https://appshunter.io/ios/app/sector-pilot-logbook/id6789634916)
- [Pocket Pages: Paper Planner](https://appshunter.io/ios/app/pocket-pages-paper-planner/id6789703239)
- [Pictolo: Picture Cross Puzzle](https://appshunter.io/ios/app/pictolo-picture-cross-puzzle/id6789895689)
- [Roost: Chicken & Egg Tracker](https://appshunter.io/ios/app/roost-chicken-and-egg-tracker/id6789991413)
- [Evermet: Business Card Scanner](https://appshunter.io/ios/app/evermet-business-card-scanner/id6790002729)

All apps by Ruth McCarthy: https://appshunter.io/developer/6787998193

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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 2026-09-11.*