Payday Buckets vs Ledger

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.

Life doesn't follow a monthly schedule. Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday. Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget. Plan around your pay cycle • Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates • Log hours against each rate and see your estimated gross pay update • Manage multiple income streams in one place • Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with • View Australian tax estimates for each taxable income stream and taxable incoming adjustment Estimated tax only. Not financial or tax advice. Stay ahead of expenses • Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Review daily reminders in Inbox and open payment details directly • Keep future payments visible before they catch you off guard Organise what you're setting aside • Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Adjust a planned contribution for one pay cycle without changing the regular plan • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left Your Ledger account • Create or sign in to a Ledger account to use Ledger • Sign in with Apple, email and password, or a passkey • Use your Ledger across supported iPhone, iPad and Mac apps • Ledger for Web coming soon so you can manages your budget wherever works for you Go further with Ledger Pro • Add more income streams, Savings pockets, allocations and payment plans • Create custom categories that fit the way you plan • Defer eligible payments when plans change • Roll over unused account balances into the next pay cycle • Plan with more flexibility as your Ledger grows Terms of Use: https://useledger.co/terms/ Privacy Policy: https://useledger.co/privacy/