Penny Payday: Paycheck Budget

Type your paycheck and your bills, and Penny Payday gives you one safe number to spend each day until your next check. No bank login. No account. Your plan stays on your phone. Where did your last check go? This time, you decide. Penny, the envelope, does the arithmetic on what you type and shows you what the numbers say. How it works 1. Tell Penny what is hard about your check and what you want out of it. 2. Type your check and how often it lands. Every week, every 2 weeks, 1st and 15th, or once a month. 3. Tap the bills due before the next check. Rent, car, phone, utilities, cards, subscriptions. 4. Pick one goal: a trip, an emergency fund, a card gone, money for your kids. Or just save: choose 5%, 10% or 15% of every check and Penny takes it off the top, before you can spend it. 5. Choose how tight to play it. Penny splits the rest into envelopes, and you can turn any off or add your own. 6. Get your number. One amount a day until your next check. Every night at 8, Penny asks what you spent. Twenty seconds. Your number updates for tomorrow. Streaks and coins for showing up. Every payday, the plan is built again from your new check. Widgets Put today's number on your home screen or lock screen. Pick what it shows (today's number, one envelope, days to payday or your streak), the color, and whether Penny is in it. Penny U Nobody taught you this. School skipped it. Your job won't explain it. Penny will. - A 15-question quiz shows where you stand on paychecks and taxes, credit and debt, and saving and investing - Your lessons follow your answers: what you missed comes first - One short lesson a day, built from your own check, with a Go deeper shelf when you want more - Every figure is cited to a primary source: IRS, Federal Reserve, CFPB, FINRA What you get - One safe-to-spend number a day, planned again every day from what you spend - Bills set aside before you see what is left - Savings off the top of every check, or one goal with the date it lands - Envelopes for the spending that usually eats your check - Nightly check-in with streaks and coins - Penny's read: a one-line verdict on your check, the three numbers that matter, and one move you can make - People like you: your check and rent against public wage and rent data, by job and city. Optional. - Penny U: daily money lessons ordered by your quiz - Payday and check-in reminders, scheduled on your phone - Delete all your data in one tap Before you subscribe, you build the whole plan and see how it is put together. Subscribing shows the dollar amounts and your daily number, and opens Penny U. Penny does arithmetic on what you enter. Penny Payday is not financial advice. Subscription terms: Penny Payday Premium is $39.99 per year after a 7-day free trial, or $4.99 per week with no trial. Payment is charged to your Apple ID account when you confirm the purchase, or when the free trial ends. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it in your iPhone Settings under Subscriptions. Privacy policy: https://payday.expo.app/privacy.html Terms of use: https://payday.expo.app/terms.html Support: support.tyhlabs@gmail.com