Access PayWise+ vs QivurnPro

PayWise+ Financial Wellbeing Made Simple The free PayWise+ app helps you take control of your finances with earned wage access, smart money management tools, and AI-powered support. Access wages you've already earned ahead of your normal pay date and send the money straight to your bank account. The app shows you real-time accrued wages, how much is available to withdraw, and a history of previous transactions. Plus, get personalised guidance from Penny, our AI financial coach, use savings pots to build financial resilience, and access tools to help you manage your money with confidence. Amounts withdrawn will be deducted from your next pay cheque along with any applicable fees.

What if your budget wasn't measured in dollars — but in hours of your life? QivurnPro is a personal hour-budget app that reframes spending. Set your hourly rate once, define a weekly hour pool, and watch every purchase burn hours from your week. Coffee isn't $5. It's 11 minutes of your life. Dinner isn't $68. It's 2.4 hours you'll never get back. Built for people who earn a salary and want a clearer, more visceral way to manage discretionary spending — without spreadsheets, bank linking, or complicated finance jargon. HOW IT WORKS 1. Anchor your hourly rate Enter your salary and schedule — or set your rate directly. This becomes your universal benchmark for every purchase. 2. Set a weekly hour budget Choose what percentage of your income is discretionary. QivurnPro converts it into a weekly hour cap you can actually feel. 3. Log a burn Enter any amount and instantly see how many hours it costs. Tag it Essential, Impulse, or Reimbursable. Attach a receipt photo if you want. 4. Track your week Hour Pool shows what's left. Burn Stream is your spending timeline. Weekly Report surfaces trends, tag breakdowns, and your biggest hour sinks. 5. Account for fixed leaks Subscriptions and recurring bills drain hours before you even swipe. Track Netflix, Spotify, iCloud, and more in Fixed Leaks. KEY FEATURES ◉ Hour Pool — live ring showing remaining weekly hours ↯ Burn Stream — every spend as a timeline of burned time ▤ Weekly Report — daily trends, tag breakdown, top burns, insights ◆ Fixed Leaks — recurring subscriptions converted to weekly hour cost ◫ Receipt Wall — attach and browse receipt photos on any entry QivurnPro stores everything locally on your device. No cloud sync. No user accounts. No analytics tracking. No ads. Camera and photo library access is only used when you choose to attach or save receipt images. WHO IT'S FOR • Freelancers and salaried workers who think in time, not just money • Anyone trying to cut impulse spending with a more emotional unit of measure • People who want a simple, focused budgeting tool — not another finance dashboard QivurnPro doesn't connect to your bank, doesn't offer investment advice, and doesn't replace professional financial planning. It's a clarity tool — one number, one week, one honest look at where your hours go. Download QivurnPro. Budget in hours. Spend with intention.