Payday Buckets vs Spend

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.

Know what is left. Spend combines quick expense logging with zero-based budgeting for iPhone and iPad. Enter the item and amount, choose a category, and you are done. Spend turns those quick entries into a clear monthly total, spending chart, and recent activity feed. Use the included Log Expense action in Apple Shortcuts after a Wallet Transaction. The automation can prefill the amount; Spend asks what you bought and shows your editable category list, then presents every detail for confirmation before saving. Or create a Quick Expense shortcut for guided entry at any time. Features: - Bright blue design with Light, Dark, and System appearance - Optional profile name and paycheck setup in Settings - Recurring pay, next-paycheck adjustments, and separate one-time planned income - Fast native expense capture - Zero-based budgeting that gives every available dollar a category - Scheduled paychecks or a manual checking-account starting balance - Move Money transfers between categories for the current month - Category balances that decrease as expenses are logged - Guided first-launch onboarding with private iCloud backup - Apple Shortcuts Log Expense action with confirmation - Apple Pay Transaction automation setup guide - Quick Expense shortcut for Control Center, Back Tap, Home Screen, or Action button - Editable spending categories shared with Shortcuts - Optional on-device category suggestions from matching past items - Sunday or Monday week start - Period, category, payment method, and item filters - Filtered totals and charts - Category insights and search - CSV export - Offline storage with private iCloud backup and restore - No separate Spend sign-in, ads, analytics, or tracking - Category budgets that subtract each expense from money left - Category targets and money remaining - Multiple local spending accounts such as Personal, Joint, and Business - Home Screen and Lock Screen widgets - 12-month spending trends - Editable save-and-invest scenarios with contributions and hypothetical growth shown separately Spend does not connect to your bank or read your card number or Wallet history. Apple Pay prefill works only through a personal automation you configure in Apple Shortcuts. Future-impact scenarios are illustrations based on editable assumptions, not forecasts or financial advice. All features are free to use, with no subscription or payment required and no trial deadline. Existing purchases remain recognised. Existing monthly subscribers can cancel through Apple and continue using Spend for free. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/