PLAN BY PAYCHECK
Plan every paycheck before the money is gone.
Enter a paycheck and allocate it across envelopes for the expenses it has to cover. See what's covered, what's short, and what's left over — before the money is spent. Works whether you're paid weekly, every two weeks, twice a month, monthly, or on no fixed schedule at all.
Free: one paycheck, full allocation tools.Optional Premium subscription: US $1.99/month or $19.99/year after a one-month free trial.
No bank connection. No app account. No ads or tracking.
For iPhone and Mac.
How it works
Enter a paycheck
Amount and date; set a cadence or add one-off paychecks whenever they land.
Allocate it across envelopes
Recurring bills, flexible spending, and sinking funds for irregular expenses, each funded a little per paycheck with a “fully funded by” date.
See what's covered and what's short
A forecast of your projected balance across the coming weeks, with low-balance and shortfall warnings before a check runs short.
Leftover is yours to spend. The app never forces a sweep — at the leftover moment it may suggest Debt-Free, Nash Apps' one-time-purchase payoff planner, and the suggestion is dismissible and never blocks anything.
Free vs Premium
Free
$0
Plan one paycheck at a time with the full allocation tools: envelopes, coverage, and leftover.
Nothing is saved between paychecks — each new paycheck starts blank.
Premium
US $1.99/mo
or $19.99/yr (one-month free trial).
- Unlimited paychecks, everything remembered
- New paychecks start from your last allocation
- Paycheck cadence or random one-off paychecks
- Recurring expenses paired to the paychecks that cover them
- Forecast with shortfall warnings
- Sinking-fund envelopes
- Reports (paycheck, envelope, forecast, monthly summaries, comparisons) with CSV and PDF export
- iPhone and Mac with the same plan on both
Purchase and Restore Purchases are handled by Apple. Other storefront prices may vary.
Your plans stay on your device.
Paychecks, envelopes, allocations, forecasts, and reports remain on your device. The app does not collect, sell, or share the financial data you enter. No bank connection. No app account. No ads or tracking.
Optional support submissions are handled separately.
Plans and projections are estimates made from the numbers you enter — not financial advice. Check current amounts against your own records before you pay.