Paycheck by Paycheck vs Otally

Budget by paycheck, not by month. Plan bills, savings, and spending around your actual pay schedule. Know what’s safe to spend before payday and give every paycheck a purpose. • Bill planning • Spending envelopes • Savings goals • Future expense planning • Safe-to-spend tracking Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://paycheckbypaycheck.com/privacy

Otally shows you what your bank balance will be — next week, next month, or a year from now. Most budgeting apps look backwards and tell you where your money went. Otally only looks forward. Enter your paychecks and your bills once, and it draws the whole year ahead so you can see the day your balance dips before it happens. HOW IT WORKS 1. Tell Otally your current balance. 2. Add your income and bills with their dates and how often they repeat. 3. See your projected balance on every day for the next 18 months. WHAT YOU GET - Running balance — see exactly what you will have after every paycheck and every bill. - Low point alerts — set a cushion, and Otally lists every day in the next 12 months your balance is projected to fall below it. Find the tight week in March while it is still January. - Calendar or list — see the month at a glance, or scroll a clean list of what is coming. - Real amounts, not just estimates — when the actual power bill arrives, adjust that one date without disturbing the recurring amount. - Recurring anything — weekly, biweekly, or monthly, with an end date when a loan finishes. - Built for both — designed for iPhone, with a full two-column layout on iPad. WHAT OTALLY IS NOT Otally does not connect to your bank. There is nothing to link and no credentials to hand over. You type in your paychecks and bills yourself, which takes a few minutes once, and means the forecast is built from what you actually know is coming — not from guessing at last month's spending. Otally is a forecasting tool, not financial advice. It does arithmetic on the numbers you give it. PRIVATE BY DEFAULT No account. No sign-up. No email address. Your balances and records are stored on your device and are never sent to us, because there is no server to send them to. PRICING Otally is free to try for 14 days — no payment details required, and no charge when the trial ends. After that, continue for $1.99 per month, or pay $49.99 once and keep it forever. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/