Budget around the way you get paid

Give every paycheck a plan.

Start your free trial and take control of every paycheck.

Plan your bills, everyday spending, and financial goals around your real pay schedule — whether you're paid weekly, biweekly, or twice a month.

It's easy! No credit card required. Available on web and iOS.

App StoreGoogle Play
Paychecks screen in the Paycheck by Paycheck app

A monthly budget doesn't always tell you what you can spend today.

Bills, groceries, and everyday expenses happen between paydays. Paycheck by Paycheck organizes them around your real pay schedule, so you can see what each paycheck needs to cover and what is still available.

Know what your money needs to do before you spend it.

A method built around real paydays

The Paycheck by Paycheck Method

A monthly budget gives you a target. The Paycheck by Paycheck Method turns that target into a plan for every paycheck—and helps you manage it while real life happens.

  1. 1

    Plan

    Set up your income, pay schedule, bills, spending envelopes, larger upcoming expenses, and financial goals.

  2. 2

    Allocate

    See how bills, everyday spending, and larger expenses are distributed across your upcoming paychecks automatically.

  3. 3

    Progress

    Know what remains after planned expenses and put that money toward savings, debt, future bills, or another financial goal.

  4. 4

    Manage

    Track real transactions against each paycheck so you always know what has been spent, what remains, and what is still coming.

  5. 5

    Adjust

    Review what actually happened, improve your assumptions, and make the next paycheck plan more realistic.

Planning determines what your money should do. Managing determines whether it actually happens.

A better financial future is built one paycheck at a time.

Paycheck by Paycheck was created for people who are trying to make real life work between paydays.

Not everyone has a large cushion. Not every month is predictable. And progress doesn't always happen in giant leaps.

We believe a paycheck should be more than money that arrives and disappears. It should be a tool for covering what matters today and building toward what matters tomorrow.

MonthlyAnnual Save $22
14-day free trial — no credit card required

Paycheck by Paycheck

$5.99/month

Everything included

  • Plan bills around your actual paydays
  • See what's safe to spend from each paycheck
  • Create flexible spending envelopes
  • Set savings goals and track progress
  • Connect bank accounts securely through Plaid
  • Review transactions, balances, and spending activity
  • Use Paycheck by Paycheck on the web and iOS

No ads. No confusing tiers. Cancel anytime.

Frequently asked questions

Got questions? We've got answers.