Earner vs Paykeep

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/

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess. Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for. Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you. WHAT IT DOES - One steady number to live on: everything above it is a bonus - Always know what has come out this month, and what is still to pay - Months run payday to payday, so the bills reset the day you are paid - Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money - Pay stubs pre-fill from the last one: entry is a check, not a chore - Variable bills like groceries and electricity learn from what they actually cost - Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals - Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands - Savings pots and loans on honest bars: the goal, the plan, and the truth - A plain-words summary that reads your month back to you SET UP ONCE Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month. PRIVATE BY DESIGN No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay. ONE MONTH FREE Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only. Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://brambleapps.com/paykeep/privacy-policy.html