Sinkstack vs Mintseed

Payday Bridge projects a dated cash pool so you can see shortfalls before payday, even when the period ends with money left over. HOW IT WORKS 1. Open Payday Bridge from the dashboard. Enter an opening cash amount, desired buffer and 1–90 day horizon, or explore the labeled example. 2. Add dated income and payments. Mark uncertain income, then compare the entered baseline with uncertain income excluded or all paydays delayed by up to 14 days. 3. Inspect the lowest daily closing balance, same-day posting-order sensitivity and exact daily ledger. Save the plan and share its dates and assumptions. Envelope tracking, recurring schedules, Funding Calendar, paycheck allocation, catch-up planning, statements and existing scenario tools remain available. Saved plans preserve exact cents; failed writes keep the previous in-memory state and corrupt files are preserved. WHAT TO KNOW Manual USD planning for one cash pool, with up to 200 entries per plan and 50 saved plans. Amounts are stored as integer cents. Payments-before-income assumes all same-day outgoings precede incoming cash; actual posting order is unknown. Delayed income beyond the horizon is reported separately. No bank account is connected and no payments or envelope-balance changes occur. Include all obligations and avoid counting envelope transfers and their eventual bills twice. iPhone and iPad.

Mintseed helps you budget for any period a week, a month, or custom dates. Log spends in seconds, see what's left, review analytics, and export CSV. Everything stays on your iPhone. • Flexible budget periods with a finish date • Daily budget • Tags, history, and analytics • CSV export • Home Screen widget (iOS 17+) • Light, dark, and accent themes No bank login. No account. No subscription. Pay once, use forever.