# PAYMENT PULSE — Plan bills, protect your cash

> Personal payment scheduler for managing bills and cash flow. (iPhone/iPad app by Walter Paul Bebirian.)

- Source: https://appshunter.io/ios/app/payment-pulse/id6793563761 (this page in markdown: same URL + `.md`)
- Developer: [Walter Paul Bebirian](https://appshunter.io/developer/6793563763)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.1 · 40 MB
- Languages: American English
- Released: 2026-08-12
- Data updated: 2026-09-28
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/payment-pulse/id6793563761/reviews.md

## What is PAYMENT PULSE?

PaymentPulse is a high-visibility payment scheduler for people juggling several credit lines on a fixed or irregular income. Instead of reacting to bank alerts, you plan ahead — timing every payment so it clears without draining the cash you need for daily essentials.

SEE THE NEXT 30 DAYS AT A GLANCE
The Payment Roadmap lays your due dates, target dates, and projected daily cash balance on one high-contrast calendar, so a tight stretch is obvious before it arrives.

TIME EVERY PAYMENT WITH A 3-DAY BUFFER
Smart Target Dates schedule each bill three days before its deadline, so payments clear on time without early-alert anxiety.

KNOW WHAT'S SAFE TO SPEND
The Cash Buffer subtracts your upcoming scheduled payments from your liquid cash to show a true "safe to spend" number — and lets you test what-if scenarios before you commit.

WATCH YOUR CREDIT HEALTH
Track balances, available credit, and utilization per account, and see the impact of a scheduled payment before you make it.

UNLIMITED PULSE (optional subscription)
Unlock unlimited accounts, a 60-day forecast, what-if scenarios, and full cash + utilization trends.
- Monthly ($4.99) or annual ($39.99), with a 7-day free trial
- Payment is charged to your Apple ID at confirmation; auto-renews unless canceled at least 24 hours before the period ends; manage or cancel anytime in Settings

PaymentPulse is a personal organizer for information you enter yourself. It does not provide financial, tax, or credit-repair advice.

Privacy Policy: https://preview.apppublishing.ai/legal/paymentpulse/privacy
Terms of Use (EULA): https://preview.apppublishing.ai/legal/paymentpulse/terms

## Key features

- Payment scheduling
- Cash flow projection
- Bill due date tracking
- Credit health monitoring
- Safe-to-spend calculation
- What-if scenarios

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Unlimited Pulse Monthly | $4.99 | per month |
| Unlimited Pulse Annual | $39.99 | per year |



## Frequently asked questions about PAYMENT PULSE

### What is Payment Pulse?

Payment Pulse is a personal finance app designed to help users schedule bill payments and manage their cash flow. It provides a visual calendar of upcoming due dates and projected daily cash balances to prevent overdrafts and ensure essential expenses are covered.

### How does Payment Pulse help with bill payments?

Payment Pulse allows you to schedule payments with a 3-day buffer before the due date, reducing anxiety about late fees. It visualizes your payment roadmap, making it clear when funds are needed and when it's safe to spend.

### What are the subscription options for Payment Pulse?

Payment Pulse offers an optional 'Unlimited Pulse' subscription for $4.99 monthly or $39.99 annually. This unlocks unlimited accounts, a 60-day forecast, what-if scenarios, and full cash + utilization trends. A 7-day free trial is available for both plans.

### How secure is Payment Pulse?

While the description does not detail specific security measures, Payment Pulse is a personal organizer for user-entered data and does not provide financial advice. Users should always practice safe online habits when managing financial information.

### Does Payment Pulse offer a free trial?

Yes, Payment Pulse offers a 7-day free trial for its 'Unlimited Pulse' subscription. This allows users to explore the premium features before committing to a monthly or annual plan.

### Can I cancel my Payment Pulse subscription?

Yes, you can manage or cancel your Payment Pulse subscription at any time. Auto-renewal must be canceled at least 24 hours before the end of the current subscription period to avoid further charges.

### What devices support Payment Pulse?

Payment Pulse is currently supported on iPhone and iPod devices. It is rated for ages 4 and up.

### How often is Payment Pulse updated?

Payment Pulse was last updated on August 12, 2026, with version 1.0. Further update frequency is not specified in the provided data.

## Version history (last 1 release)

### 1.0 — 2026-08-12

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 2026-09-28.*