Earner vs BBP

Earner helps shift, hourly, and tipped workers track work, estimate take-home pay, plan bills, and see what is safe to spend before payday. No spreadsheets, no payday guesswork: just your schedule, paycheck, expenses, and goals in one clear place. Built for: - Hourly, shift, tipped, overtime, and irregular-income workers - Fixed-salary workers who want a clearer view of their month - Anyone balancing bills, expenses, savings goals, and spending money between paydays Features: - Track shifts, hours, overtime, tips, and estimated earnings - See your pay build in real time while you work - Estimate taxes, deductions, net pay, and pay periods before payday - Plan recurring bills, everyday expenses, and savings goals - See what is safe to spend after bills and goals are accounted for - Set up schedule patterns and reusable templates for regular or changing work - Try what-if scenarios before taking extra shifts or changing plans - Review charts and summaries that make your money easier to understand Open Earner before, during, or after a shift and turn your work into a clearer payday plan. Earner Premium is optional and handled through App Store subscriptions. Available durations, local prices, and trial offers are shown before purchase. Subscriptions renew automatically unless cancelled in App Store account settings. Privacy Policy: https://jesperandersson.com/earner/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Bills By Paycheck — know exactly which paycheck covers every bill. Most budget apps organize your money by month. Bills By Paycheck organizes it the way you actually live: paycheck to paycheck. Every payday gets its own bucket, every bill lands under the check that covers it, and you always know what's due, what's handled, and what's left over. YOUR DATA STAYS YOURS Bills By Paycheck never connects to your bank. No account linking, no credentials, no third-party data aggregators — just your plan, stored in your own iCloud. PLAN AROUND YOUR PAYCHECKS • Set up any pay schedule — weekly, biweekly, semimonthly, monthly — with multiple income sources • Bills sort automatically under the paycheck that pays them, with an adjustable lead-time cushion • Split a large bill across two paychecks, or carry surplus forward to cover something bigger down the road • Track everyday expenses right alongside your bills, interleaved by date in each bucket • Assign bills to specific bank accounts so you always know where the money is coming from STAY ON TOP OF EVERY BILL • Add bills fast with a built-in catalog of well-known billers — names, websites, and categories auto-fill, complete with logos • Create custom categories for bills and expenses that don't fit the built-in ones • Mark bills paid or cleared, hide what's done, and jump straight to a biller's website to pay • A full calendar view shows every due date at a glance across the month • Get reminded before bills are due, plus alerts if something slips past due SAVE, SET GOALS, AND PAY DOWN DEBT • Automatic Savings sets aside a percentage of every paycheck as its own line item • Savings Goals let you set specific targets — emergency fund, vacation, car — and track your progress toward each one • The Debt Payoff Calculator shows exactly when each balance hits zero, using avalanche or snowball strategies, with a month-by-month payoff timeline • The Savings Report shows your yearly total and a month-by-month chart of what you actually put away SEE THE WHOLE PICTURE • Bill, Expense, Savings, and Debt Payoff reports with clean charts • Track credit card balances, interest rates, credit limits, and promotional APR periods — balance history charts show your paydown progress over time • Print or export PDF reports: a monthly bill checklist, a page-per-paycheck breakdown, and a credit card balance report • Export bills to CSV for Numbers, Excel, or any spreadsheet app WIDGETS, SYNC & PEACE OF MIND • Home Screen widgets for upcoming bills, your next paycheck, monthly spending, savings, and credit utilization • iCloud sync keeps every device up to date • Share with a partner — they see your bills and paychecks in real time on their own device, with read-only access so your data stays in your control • Face ID, Touch ID, or passcode lock keeps your finances private • One-tap backup and restore, with optional reminders so you never forget FREE — REALLY Every feature is free. A single one-time purchase removes ads. No subscriptions, ever.