What does Pay Planner do?

Pay Planner budgets around your pay cycle instead of the calendar month. It takes your upcoming income and your upcoming bills, allocates each bill to the pay period it falls in, and shows what that period has left once they are covered. The closing balance carries forward, so a period that comes up short shows up while you can still do something about it.

How is that different from a monthly budget?

A monthly budget tells you that the month works out. It does not tell you that rent lands four days before you get paid. Pay periods are the unit that actually decides whether a payment clears, so that is the unit the planner works in.

Does it handle my pay schedule?

Weekly, fortnightly, twice a month on the 1st and 15th, twice a month mid and end, monthly, every few months, the first or last day of the month, and yearly. Anything that lands on a weekend can be pulled back to the Friday or pushed to the Monday, whichever your employer does.

Does it connect to my bank?

No. You add your accounts, income and bills yourself, and reconcile an account against its real balance whenever you want to bring it back in line. Nothing asks for your banking credentials.

Can it help me get out of debt?

There is a payoff planner for your credit cards and loans. Order them smallest balance first or highest rate first, add whatever extra you can put towards them, and it projects the payoff month by month. You can keep more than one plan side by side to compare what a bigger payment would actually buy you.

There will be a single plan, billed monthly or annually, with a free trial to start. Pricing is not final yet - sign up and you can start using it now.

Budgeting that follows your payday

Know which payday is going to be tight.

Pay Planner lays your bills out against your next few paycheques and shows what each one has left once its bills are covered. The balance carries forward, so the tight period shows up weeks ahead, not on the morning it arrives.

Because rent landing four days before payday is not a monthly problem.

Get started See what it does

Free while we are finishing up. No credit card required.

Fri, Oct 3 · Paycheque

+$2,150.00

Pay period

Rent

Mon, Oct 6

−$1,400.00

Hydro

Thu, Oct 9

−$118.40

Car insurance

Tue, Oct 14

−$142.00

Groceries

Fri, Oct 17

−$260.00

Left for this period

$229.60

Next period · Oct 17

−$84.20

Built around the pay cycle

Not a spreadsheet with a login, and not a monthly budget that hides the weeks inside it.

Every bill in exactly one pay period

Each bill is allocated to the paycheque it falls against, so nothing is counted twice and nothing quietly slips between two periods. Expand a period to see what is in it.

A balance that carries forward

Each period shows what it has left once its bills are covered, and the closing balance rolls into the next one. A shortfall in November is visible in September.

Schedules that match real life

Weekly, fortnightly, twice a month on the 1st and 15th, mid and end, monthly, every few months, first or last day, yearly. Weekend dates pull back to Friday or push to Monday.

More than one account

Chequing, savings and credit accounts side by side, with transfers and card payments recorded as both halves. Filter the whole planner to one account when you want to.

A debt payoff plan you can compare

Order your cards and loans smallest balance first or highest rate first, add whatever extra you can manage, and see the payoff projected month by month. Keep several plans side by side.

Reconcile when reality disagrees

Put in what the account actually says and the difference is written as a correction rather than quietly swallowed, so the planner starts from a number you trust.

See the shape of a month

A dashboard with monthly totals, a cash projection, and this month and next side by side, filtered to whichever account you care about.

Categories that stay tidy

Categories are real things you can rename, merge and archive, so a typo does not become its own permanent bucket that every total then disagrees about.

Fast, and easy on the eyes

A command palette on ⌘K for everything, a full history of what has been paid, and a dark mode that is not an afterthought.

Set up once, in an evening

After that it is a couple of taps a week.

1
Add your accounts

Chequing, savings, cards and loans, each with what it holds or owes today.
2
Add your pay

Set the schedule once - fortnightly, twice a month, whatever yours is - and it repeats itself.
3
Add the bills

Rent, insurance, subscriptions, the minimum on each card. The ones that repeat only get entered once.
4
Watch the periods

Tick things off as they clear. The planner recalculates every period after them as you go.

One plan, no tiers

Every feature on this page, whichever way you pay for it.

Pricing coming soon

There will be a single plan, billed monthly or annually, with annual working out cheaper. Nothing is being charged yet, so sign up and start using it now.

Get started

Frequently asked questions

What does Pay Planner do?: Pay Planner budgets around your pay cycle instead of the calendar month. It takes your upcoming income and your upcoming bills, allocates each bill to the pay period it falls in, and shows what that period has left once they are covered. The closing balance carries forward, so a period that comes up short shows up while you can still do something about it.
How is that different from a monthly budget?: A monthly budget tells you that the month works out. It does not tell you that rent lands four days before you get paid. Pay periods are the unit that actually decides whether a payment clears, so that is the unit the planner works in.
Does it handle my pay schedule?: Weekly, fortnightly, twice a month on the 1st and 15th, twice a month mid and end, monthly, every few months, the first or last day of the month, and yearly. Anything that lands on a weekend can be pulled back to the Friday or pushed to the Monday, whichever your employer does.
Does it connect to my bank?: No. You add your accounts, income and bills yourself, and reconcile an account against its real balance whenever you want to bring it back in line. Nothing asks for your banking credentials.
Can it help me get out of debt?: There is a payoff planner for your credit cards and loans. Order them smallest balance first or highest rate first, add whatever extra you can put towards them, and it projects the payoff month by month. You can keep more than one plan side by side to compare what a bigger payment would actually buy you.
What does it cost?: There will be a single plan, billed monthly or annually, with a free trial to start. Pricing is not final yet - sign up and you can start using it now.

Stop finding out on payday.

Put your accounts, your pay and your bills in once, and see the next six months of pay periods laid out.