SinkFund vs Payday Buckets

Tired of surprise expenses destroying your budget? You're not alone. Car repairs, holiday gifts, annual insurance premiums, and vet bills are the #1 cause of Americans falling back into debt. These aren't truly "unexpected" expenses – they're irregular but predictable costs that catch us off guard because we forget to save for them ahead of time. SinkFund solves this problem with a beautifully simple approach inspired by Dave Ramsey and YNAB methodologies. Create dedicated savings "buckets" for every irregular expense you know is coming, set your target amount and deadline, and let SinkFund automatically calculate exactly how much to set aside from each paycheck. No more financial stress when your car registration is due or the holidays arrive. Key features include smart paycheck calculations that work with weekly, bi-weekly, or monthly pay schedules, visual progress tracking with beautiful rings and charts, and a dedicated "Payday Mode" that shows you exactly how much to allocate right now. Set custom notification reminders before deadlines, track your contribution history, and see your total monthly savings goal at a glance. Export your data anytime with CSV functionality. Whether you're saving $300 for Christmas gifts, $150 monthly for car maintenance, $800 annually for insurance, or $50 weekly for pet expenses, SinkFund makes it effortless. Join thousands of Americans who've broken the cycle of surprise expenses and finally gained control over their irregular costs. Start building your financial security one paycheck at a time. Download SinkFund today and never be caught off guard again. Get started with 3 free sinking funds, then upgrade to unlimited funds for just $2.99 – no subscription required. Your future self will thank you when that next "surprise" bill arrives and you're completely prepared.

Tired of spreadsheets, sticky notes and paycheck guesswork? Payday Buckets answers one simple question: “What do I move this payday?” Set up the bills, savings goals and irregular expenses you want to plan for. Tell Payday Buckets when you get paid, and it calculates what to set aside in each bucket every payday. Use it for sinking funds, envelope budgeting, sub-savings accounts, bill planning, subscriptions, yearly expenses, savings goals and everyday categories. WHY PAYDAY BUCKETS • Plan around your real pay cycle — weekly, biweekly, monthly, twice monthly, or a custom interval. • Built for buckets and sinking funds, not endless transaction tracking. • Know what to move each payday before the money disappears. • No bank login required. • Your data is stored locally on your device. • iCloud sync keeps your iPhone and iPad up to date using your private iCloud account. • Designed for people who already use separate accounts, buckets or savings spaces and want a simple way to manage them. HOW IT WORKS 1. Create the buckets that matter — bills, savings goals, subscriptions, irregular expenses and everyday categories. 2. Choose how each bucket should be funded — by due date, fixed amount, top-up to target, or manual. 3. On payday, run your payday plan. 4. Payday Buckets shows exactly what to move into each bucket. 5. Mark bills as paid and keep your bucket balances up to date. FEATURES • Guided Simple Mode for quick bucket setup • Advanced editor for detailed bucket planning • Weekly, biweekly, monthly, twice-monthly and custom pay schedules • Smart payday plans for bills, savings goals, subscriptions and irregular expenses • Scheduled transactions for recurring bills, income and transfers • Upcoming bills view with overdue, 7-day, 30-day and later sections • Insights for bucket forecasts, monthly outlook and budget balancing • Payday plan history • Local reminders for payday, bills, transfers and underfunded buckets • Rename, recolor and organize categories • iCloud sync across iPhone and iPad • Light, Dark and System themes • Dynamic Type and VoiceOver support • CSV export and JSON backup PREMIUM Payday Buckets is free to try with up to 5 active buckets. Upgrade to Premium for: • Unlimited active buckets • Unlimited scheduled transactions PRIVACY Payday Buckets does not require bank access. Your budgeting data is stored locally on your device. If you turn on iCloud sync, your data syncs through your private iCloud account, not through a Payday Buckets budgeting server. SUPPORT Questions or feedback? Get in touch from Settings → About inside the app. Stop guessing what to set aside. Start every payday with a clear plan. What’s New 1.0 First release of Payday Buckets! Plan each payday around your bills, savings goals, subscriptions and sinking funds. • Create buckets for the things you need to fund • Set your pay schedule • Run a payday plan to see what to move into each bucket • Track scheduled bills and recurring transactions • View upcoming bills and bucket forecasts • Sync across iPhone and iPad with iCloud sync • Export your data with CSV and JSON backup Thanks for trying Payday Buckets — your feedback will help shape what comes next.