PayDream vs Scary Budget

Build a clearer plan for the life you want. PayDream brings your income, spending, recurring payments, and savings goals together in one simple planning experience. See what remains each month, understand how quickly you can reach your goals, and explore changes before applying them to your plan. Plan your month: Enter your monthly income and organize spending into categories that reflect your real life. PayDream calculates your estimated monthly reserve and savings rate so you can understand where you stand. Turn dreams into goals: Create savings goals, choose target dates, record contributions, and follow your progress over time. PayDream shows how your available monthly reserve can help move each goal forward. See your life plan: View your goals together on a chronological timeline. Understand which goals are approaching, how they fit together, and what your current plan could accomplish. Explore before making changes: Use the Make It Happen simulator to test different income, spending, and savings scenarios. Nothing changes in your actual plan unless you choose to apply it. Stay organized: Track recurring payments, customize spending categories, receive optional payday and milestone reminders, and keep selected goals visible with supported home-screen widgets. Plan together: Invite trusted people to participate in shared savings goals, record contributions, and follow progress together. Your information stays under your control: PayDream does not connect to your bank, move money, hold funds, or execute payments. You can review your information, export your account data, and permanently delete your account from the app. PayDream provides budgeting and lifestyle-planning estimates based on the information you enter. It does not provide financial, investment, tax, accounting, or legal advice.

Money gets hard to manage when the balance in your account and the life on your calendar stop feeling connected. Scary Budget connects them. It turns the money you have, the money coming in, and the commitments ahead of you into a working cash-flow model for your personal life. What can my money support? That is the question Scary Budget is built around. Add income, bills, subscriptions, transfers, card payments, payment plans, and one-time expenses. Scary Budget turns them into a daily checking forecast, then helps reconcile that forecast against posted activity. One month becomes a reusable model for the weeks ahead. You can inspect each source, correct it, and see how changes flow through the forecast, credit views, and insights. This is the kind of thinking people use to run something with care. Know what is committed. Know what is flexible. Know where the pressure points are before the decision arrives. WHAT SCARY BUDGET MODELS • Checking balance by day See when money comes in, when money leaves, and where the tight days land. • A plan with real timing Model recurring bills, paychecks, transfers, subscriptions, credit card payments, payment plans, one-time expenses, variable amounts, and end dates. • Reconciliation against reality Compare posted bank activity with what you expected. Confirm matches, correct dates or amounts, archive what happened, and keep the forecast current. • Judgment that stays with you Bank data is evidence. Your judgment remains the source of truth. Review the plan, correct the source, and keep the model yours. • Context for unclear charges Optional connected-inbox search can help find the receipt, item, order, service, subscription, or installment behind a confusing bank description. • Credit decisions connected to cash Track card balances, limits, utilization, APR, minimum payments, and payoff strategies alongside the checking forecast those payments affect. • Insights from the same model Explore spending by category, merchant, and month. BUILT FOR REAL FINANCIAL LIFE Scary Budget supports the questions that come up when timing matters. What can I support before payday? What is my lowest balance this month? Can I move this bill? Can I make an extra card payment? What changed since I made the plan? What was that charge? Your spending choices stay yours. Discretionary spending can stay discretionary. Net worth stays optional. Bank connection stays optional. FREE MANUAL MODE Scary Budget works without a bank connection. Manual planning, CSV import, forecasting, reconciliation, credit tools, insights, and export are free to use. OPTIONAL SCARY BUDGET+ Scary Budget+ adds live bank sync and connected-inbox search through a paid subscription. Bank sync reduces repetitive work. It does not replace the plan, and it is not required to understand your money. PRIVATE BY DESIGN Your saved financial plan is encrypted on your device before it is stored. Scary Budget does not sell your personal or financial information and does not show ads. Bank connections are read-only. Connected-inbox search is optional. SUBSCRIPTION DETAILS Scary Budget+ is available as a monthly or annual auto renewing subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage them in your App Store account settings. Privacy Policy: scarybudget.com/privacy Terms of Service: scarybudget.com/terms How Scary Budget protects your data: scarybudget.com/security Learn more at scarybudget.com