# Penny Payday: Paycheck Budget — Daily spending & bill planner

> Daily spending & bill planner (iPhone/iPad app by AARON JOSHUA FARAHNIK.)

- Source: https://appshunter.io/ios/app/penny-payday-paycheck-budget/id6811849832 (this page in markdown: same URL + `.md`)
- Developer: [AARON JOSHUA FARAHNIK](https://appshunter.io/developer/6811849834)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 60 MB
- Languages: American English
- Released: 2026-10-08
- Data updated: 2026-10-24

## What is Penny Payday?

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Payday Premium, monthly | $9.99 | per month |
| Payday Premium, weekly | $4.99 | per 7 days |
| Payday Premium, yearly | $39.99 | per year |
| Payday Premium, weekly | $4.99 | per 7 days |


## Is Penny Payday safe?

Not enough ratings yet to assess Penny Payday.

## Is Penny Payday legit?

Penny Payday: Paycheck Budget has limited verification signals. The AppsHunter Legitimacy Score for Penny Payday is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.2.3 — 2026-10-23

Small fixes and improvements.

### 1.2.2 — 2026-10-20

Penny 1.2.2 makes logging a spend nearly one tap.
- Today shows up to 3 chips with your usual spends and amounts. Tap one and it is logged. Hold one to hide it.
- No more "are you sure" questions. Logs, fixes and deletes happen at once, with Undo.
- Type an amount you logged before and Penny picks the same name and envelope.
- Add a bill in one sheet: name, monthly amount and due day.
- Same pay every time? Your new check starts by itself on payday. Pay that varies? One tap for last check's amount.
- Change your pay schedule in You > Payday: how often, next payday, fixed or varying pay.
- Hold the Penny icon on your Home Screen to log from there.
- An optional daily reminder asks what you spent, with your chips as buttons. Answer the evening check-in right from the notification.
- Back Tap: double-tap the back of your iPhone to log a spend from any app. Set it up in You > Log from anywhere.
- Fixes amounts typed with a comma.

### 1.2.0 — 2026-10-13

Penny 1.2 rebuilds everything after setup.
- Four tabs: Today, Envelopes, Penny U and You.
- Today puts your number in a ring that shows how much of today's number is left.
- Name a spend and the name picks the envelope. One tap to change it.
- Missed a check-in? Penny counts that day at its daily number, marks it, and you can fix it the next morning.
- Payday is one screen: what landed, where your last check's extra goes, and your new number.
- Add money: tips, payouts or side-job money go to today, an envelope or your goal.
- Paid early? Start the new check from You.
- Each check sets aside its part of the bills due before the next one, and Envelopes shows when a bill is ready, like "Rent is ready".
- Behind on a bill? Catch up over the number of checks you pick.
- Move money between envelopes in one tap.
- Pay that changes? Plan on your usual check, and set aside part of each gig or 1099 payout for taxes.
- Penny's read changes every day.
Plus fixes from early users.

### 1.1 — 2026-10-12

Home screen widgets. Put today's number on your home screen or lock screen, and pick what it shows, its color and Penny's pose.
Faster logging, a cleaner launch screen, and fixes.

### 1.0 — 2026-10-08

No release notes.

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## More apps by AARON JOSHUA FARAHNIK

- [WallWell: Wall Pilates](https://appshunter.io/ios/app/wallwell-wall-pilates/id6817707574)

All apps by AARON JOSHUA FARAHNIK: https://appshunter.io/developer/6811849834

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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 2026-10-24.*