Payday Buckets vs BudgetFuture

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.

BudgetFuture answers one question: how much can I spend today, once future income and bills are accounted for? Most budgeting apps look backwards, sorting what you already spent into categories. BudgetFuture looks forwards. Enter your income and bills once, and your available money is worked out for you — today, at month end, and the months ahead. Your bank balance can't tell you. It looks healthy the day before a month's direct debits leave, and says nothing about the rent due before payday. BudgetFuture knows what's coming and when, so the number you see is the number you can act on. WHAT MAKES IT DIFFERENT • Dates matter, not just the month's totals. A big bill early in the month and the same bill just after payday are completely different situations, and BudgetFuture treats them that way. It walks through your month day by day and catches a squeeze before payday that a month-end total would hide entirely. • Two figures, not one. "Today" is what you can spend right now without waiting on money that hasn't landed. "For month" is the fuller picture once everything settles. Together they show whether you're short for a few days or short for the month. • On your home screen. A widget shows Today on its own, or Today and For Month side by side, so you can check without opening anything. • No categories, no tagging, no pie charts. Nothing to maintain, nothing to study. Just the number that matters BUILT FOR REAL MONTH-TO-MONTH LIFE • Recurring bills and income carry forward automatically — weekly, fortnightly, four-weekly, every 30 days, monthly or yearly. Edit one month without disturbing the rest, or update every month ahead. Set and edit how many times an entry repeats • Entries sit as Pending and mark themselves Paid on their due date — nothing to tick off. Set the ones that need manual authorisation. Pay Manually entries will flip to Due Today, then Overdue until you confirm. Anything still unpaid when the month turns stays on your dashboard • Notification reminders for manual entries only if you want them. Turn them on and BudgetFuture notifies you at 8am when a bill is due, and again the next morning if it is still outstanding • Credit card spending is tracked separately from your cash, against your real limit, so new card debt never quietly inflates what looks spendable. Don't use a credit card? Everything works the same without it • Set aside money each month for future big bills with a dedicated feature • Planning to move money to savings? Log it like any other outgoing, one-off or recurring • Compare against your real bank balance any time, to catch a missed entry before it distorts your forecast TWO KINDS OF CUSHION, AND YOU CHOOSE • Safety Min: set the lowest you want your bank balance to go during the month, and BudgetFuture keeps that amount out of what you can spend, warning you if you would drop below it • The Next Month Payday Buffer: set aside enough to cover next month's bills before next month's income arrives — the gap that catches people out. BudgetFuture suggests an amount from what you have already entered for next month YOUR DATA IS YOURS No account. No sign-in. No server. No bank connection. No analytics, tracking, or advertising of any kind. You enter your own figures and they stay on your device. Because your data lives on your device rather than in someone's cloud, you can export all of it to a file whenever you like — to your Files app, iCloud Drive, or straight to another device — and import it back on a new phone or your iPad There's currently no automatic sync between iPhone and iPad TRY IT PROPERLY FIRST Free for 90 days, with a planning window fixed from the day you install: one month back, three months ahead Premium is a single payment — no subscription, ever. It lifts the planning window to a rolling thirteen months ahead and three months back for editing, with two years of history. If the trial ends and you'd rather not buy, nothing is deleted. Your entries are read-only