# Yearn: Paycheck Budget Planner — Envelope Budgeting, Gig & Tips > Envelope budgeting app for irregular income, automating savings and bill payments. (iPhone/iPad app by G8GE, LLC.) - Source: https://appshunter.io/ios/app/yearn-paycheck-budget-planner/id6797014022 (this page in markdown: same URL + `.md`) - Developer: [G8GE, LLC](https://appshunter.io/developer/6797014024) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.80/5 from 4 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 51 MB - Languages: American English - Released: 2026-08-19 - Data updated: 2026-09-16 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/yearn-paycheck-budget-planner/id6797014022/reviews.md ## What is Yearn? Yearn is a paycheck budget planner built on envelope budgeting, made for tips, gig work, hourly shifts, and contract pay. Every bill and goal is funded by its due date, from whatever paycheck schedule you're on. Most budgeting apps assume the same paycheck lands every two weeks. Yearn doesn't. Set a funding schedule that matches your payday, weekly, biweekly, twice a month, or monthly, and Yearn works out what each paycheck needs to cover. What's left is your Free to Spend: the money that is truly yours after bills and goals are handled. BUDGET BY PAYCHECK Create an envelope for each bill or goal, give it a due date and an amount, then attach it to a funding schedule. On each funding date, Yearn calculates how much to set aside so every bill is fully funded by the day it's due. Bills can repeat weekly, biweekly, twice a month, monthly, quarterly, or yearly. No spreadsheets, no mental math. ENVELOPE BUDGETING FOR VARIABLE INCOME The envelope method works for irregular income because Yearn never asks how much you make. It only asks what you owe and when. Every envelope shows its status at a glance: Ready, On track, Ahead, or Behind, so you know before payday whether next week's check will stretch. FREE TO SPEND, ALWAYS VISIBLE One number, always current: what you can spend today without touching money that already belongs to a bill. It updates each time a funding schedule runs on the payday you chose, and whenever a purchase is matched to an envelope. BILL TRACKER, GOAL TRACKER, SPENDING CHARTS Real-time progress on every bill and savings goal. Cash flow, spending by category, upcoming bills, and a six-month trend, all built from your own transactions. YOUR BANK, YOUR CHOICE Track manually, or connect your bank with a secure, read-only Plaid connection so balances and transactions stay in sync. Auto Spend matches purchases to the right envelope automatically. Import transactions from CSV, OFX, or QFX files, reconcile balances when they drift, and review your balance history. Yearn never moves money in your bank account. WHAT YOU GET - Paycheck budget planner with automated envelope funding - Funding schedules for weekly, biweekly, semi-monthly, and monthly pay - Free to Spend calculated after every bill and goal - Bill tracker and expense tracker with due-date progress - Auto Spend: purchases matched to envelopes automatically - Manual tracking or read-only bank sync via Plaid, with CSV/OFX/QFX import - Multiple accounts from the same bank in one dashboard - Spending charts: cash flow, categories, upcoming bills, six-month trend - Push or email alerts for new transactions - Biometric login, dark mode, and multi-currency support - Zero-based budgeting without the monthly straitjacket - Also available on the web at yearnapp.io WHO IT'S FOR Hourly workers, tipped and hospitality staff, gig and delivery drivers, independent contractors, freelancers, self-employed people, and anyone living paycheck to paycheck who wants a budget app that finally matches their pay schedule. Yearn was built by a founder who got tired of budgeting apps designed for W-2 salaries. If your income changes every week, this is the money manager made for you. Free plan available. No credit card required. 30-day free trial on paid plans. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Envelope budgeting for bills and savings - Automated contribution calculations - Free to Spend number calculation - Supports gig, freelance, and hourly workers - No income reporting required - Manual tracking and spreadsheet alternative ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | US Localization | $7.99 | per month | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/yearn-paycheck-budget-planner/id6797014022/reviews.md ### 5/5 — Impressed *2026-08-25* Thanks for the great app! Setting up my bills and funding schedule was super easy with the setup wizard, which found all my top bills and allowed me to add them with just a few clicks. I really like the clean, user-friendly design, too. Even with my zoomed-in font settings, I can still see all the data clearly, which is a big plus because some apps cut off the text. At first, the $7.99/month price seemed a little high, but then I realized I could sign up on the web for just $4.99/month. That made the price much more reasonable! Really impressed so far! ### 5/5 — Very helpful handy tool *2026-08-23* This app has honestly made managing my money so much easier. I love that it doesn’t just show me my account balances—it helps me understand how much money I actually have available to spend after taking my upcoming bills and expenses into account. It’s so helpful to have everything organized in one place instead of constantly doing the math in my head or checking multiple accounts. I feel like I have a much clearer picture of where my money is going and what I can realistically afford. If you struggle with budgeting, overspending, or just feeling unsure about how much money you really have available, I definitely recommend giving this app a try. It has made me feel much more organized and in control of my finances. ### 5/5 — Easy and friendly *2026-08-21* After having this app downloaded on my phone, I got to say it’s really user friendly and anyone can use it. I’m excited to use this app to be successful with my finances. ### 4/5 — Shaun F. *2026-08-20* This is a really cool app. You can link your bank account, pay your bills and keep track of your savings. Customer service is great too. I had trouble signing up and someone helped me figure out the problem. Five stars! ## Frequently asked questions about Yearn ### What is Yearn's primary function? Yearn is designed to help users manage finances with irregular income. It automates the process of setting aside money for bills and savings goals, providing a clear 'Free to Spend' amount. ### How does Yearn handle irregular income? Instead of assuming a steady paycheck, Yearn allows users to create envelopes for expenses and savings. It then calculates how much to contribute from each payment to meet due dates and goals. ### Does Yearn require users to input their income? No, Yearn does not require users to report their income. It focuses on ensuring that expected earnings are sufficient to cover all set bills and savings goals. ### What types of income does Yearn support? Yearn is built for gig workers, rideshare drivers, freelancers, contractors, hourly employees, and anyone in the hospitality or service industry whose pay schedule is not predictable. ### Is Yearn free to use? Yes, Yearn is free to download and use. It offers in-app purchases for additional features or services. ### What is the subscription plan for Yearn? Yearn offers a US Localization subscription at $7.99 per month, which includes a 1-month free trial. ### What devices is Yearn available on? Yearn is available on iPhone, iPad, and iPod, and is rated for ages 4 and up. ### How often is Yearn updated? The latest version, 1.0.5, was released on August 27, 2026, indicating recent development activity. ## Version history (last 4 releases) ### 1.0.6 — 2026-09-11 Yearn has a brand new look and feel, plus some real upgrades under the hood. Redesigned from the ground up: cleaner screens, clearer hierarchy, and a consistent type system across every tab New Spending by Category chart on your Account screen Import transactions from real bank export files (OFX, QFX, and CSV), not just Plaid A guided Setup Wizard for new accounts, with easier access if you skip it the first time Improved bill and goal cards with clearer "Ready / On track / Ahead / Behind" status Fixed long merchant names and descriptions getting cut off instead of wrapping Dozens of smaller fixes to spacing, contrast, and touch targets throughout the app Thanks for budgeting with Yearn. As always, we'd love your feedback, tap Settings > Contact Support in the app anytime. ### 1.0.5 — 2026-08-27 Enhanced the user experience by adding a new setup wizard for new accounts. The wizard can be re-initiated from the App > Settings > Linked Accounts > Re-Run Setup Wizard after initial dismissal. ### 1.0.4 — 2026-08-25 Added new OTA updates to ensure a faster and smoother user experience. ### 1.0.2 — 2026-08-19 No release notes. --- *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 2026-09-16.*