Payday: Budget Planner

Every dollar lands on the day it actually leaves your account. Most apps record a purchase on the day you swipe. Payday records it on the day it settles. A card purchase lands on that card's due date. A TV in 12 payments lands as 12 pins across 12 cycles. A pay-in-4 split lands as 4 pins two weeks apart. Out of that comes one number on the home screen: what is left until your next payday. LEFT UNTIL PAYDAY Your cash, minus what you already owe on your cards, minus the bills and transfers that leave before the next paycheck. Tap the number and it shows its own arithmetic, line by line, and names what it is still missing instead of inventing it. Underneath, a strip runs from your last payday to the next one with a bucket on every day money leaves. EVERY PAY SCHEDULE Monthly, twice a month, every two weeks, weekly, or the last working day. Your month starts when the salary lands, not on the 1st. CARDS THE WAY THEY ACTUALLY WORK Closing day, due day, the account it is paid from, the balance you have not paid off yet. A purchase on the 3rd shows up on the payment day as part of one statement, not as forty separate rows. Installment plans and pay-in-4 splits fall into the cycles they really fall into. THREE TAPS TO LOG Amount, category, done. The keypad opens first, the account is the one you used last, and the settle date sits under the keypad where one tap changes it. OR JUST SAY IT Type or dictate "coffee 4.50" or "groceries 62 on the Visa in 3 payments" and the keypad fills itself in front of you. Nothing is ever saved behind your back: the amount, the account and the date are on screen before you press save. HOME SCREEN WIDGET Put the number on your home screen and read it without opening anything. It can show only the days to payday and keep the amount to itself. Tap it to go straight to the keypad. YOUR MONEY STAYS ON YOUR PHONE No account. No sign-up. No bank login, ever. Your ledger is an ordinary database on your device. Export it to CSV or JSON whenever you want, import a CSV export from your bank, keep your own backups. We never see your amounts, your payees or your notes. Anonymous usage and crash reports are sent so the app can be fixed and improved; they carry no amounts, payees or notes. NO ADS None. Not on the free tier either. FIFTEEN LANGUAGES English, Hebrew, Arabic, German, Spanish, French, Italian, Japanese, Korean, Dutch, Polish, Portuguese, Russian, Turkish and Chinese, with the currency, pay schedule, card model and week start filled in from your region. WHAT IS FREE One bank account, one cash wallet and one card. Up to 5 logged transactions a month (recurring bills and paying off a card do not count), the whole ledger and search forever, the payday strip, the number and its breakdown, recurring bills, plans up to 4 payments, one budget, this period and last in Reports, the home screen widget, export and import. Your history is never locked. Payday Pro is one payment, not a subscription: unlimited logging with no monthly cap, more accounts and cards, budgets without limit and with rollover, longer installment plans, the last seven periods and the year view in Reports, and the larger home screen widget. Questions: payday@benbasha.com