See paycheck breakdown
After bills, planned everyday costs, card payments and your cushion. Based on your entries, not a live bank balance.
Can I afford it?
Check a purchase before your next payday, after unpaid bills and a cushion you choose. This uses your entries, not a live bank balance.
Also keep enough for groceries, gas and other spending you have not entered. All applied planner everyday targets are reserved here; other category limits are targets.
Bill set-asides
Savings forecast · Premium preview
Credit card payoff
Upcoming bills
Unpaid bills through the end of this pay period, including overdue bills. Mark paid only when paid; this records an expense. If you already logged it, link that expense using its Edit button.
Paid bills this month
Spending by category
Recent activity
Add spending
Paycheck setup
Your pay periods are calculated from the payday date. Starting a new period never deletes old spending. Optional rollover uses prior period balances, including overspending.
Credit card debt & payoff
Balances carry forward until paid off. Log each paycheck’s payment below, or link an existing expense in Activity → Edit. Payments count once in your budget. Interest and new charges are not added automatically; use Update balance to match your statement. Do not also set up the same payment as a recurring bill.
Your regular bills
Add a bill once. It stays saved and repeats automatically across paychecks until you edit or remove it. Enter the full bill amount; we calculate your share for each paycheck. Include only bills paid from your available paycheck money.
Editing a schedule applies from the first unpaid due date you enter. Recorded payments stay in Activity. Removing a bill stops future reminders and reserves, and keeps paid expenses.
Your categories
Add categories that fit your life: childcare, medical, pets, school, or anything else. They stay saved and are included in backups.
Spending limits
These are spending targets, not extra charges. Their total can be different from your paycheck amount.
Transaction history
🔔 Your reminders
Customizable reminders appear when the app is open. iOS does not guarantee scheduled background notifications for a fully closed, offline-only web app.
💾 Your data
Your spending is saved in this browser on this device, not on a server. Export a backup regularly. Clearing Safari website data or changing phones may erase local data.
Restoring replaces the current data after confirmation.
About
Free personal budgeting app. No account, subscriptions, or bank connections. Receipt scanning uses a third-party JavaScript OCR library downloaded when needed; image recognition happens in your browser. This app does not upload your transactions to a budgeting server.
Build my budget
Four quick steps. Your plan saves automatically when you finish.
Paycheck setup
Set your paycheck amount, how often you are paid, and a payday date. These same settings are used throughout the app.
Your bills
Your saved bills are included. Add or edit them right here.
Everyday spending
How much do you need each paycheck? Fill in the amounts below. Use Options to change frequency or mark a cost as essential.
Savings & cushion
Optional: keep a cushion or set money aside for savings. You can leave these at zero.
See your savings grow
See what sticking to your savings plan could add up to.
Actual savings vs your plan
Your future savings
Estimate only: starting savings plus the chosen amount on each future payday. Counts from your next payday through the target date, including that date. Already saved should include anything saved from this paycheck. No interest, investment growth, withdrawals, future pay changes or unassigned leftover money are assumed. This does not move money or change your budget.
Monthly outlook · 1–12 months
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