PayChunk - Cash Budget App
Budget Without Linking Banks
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
PayChunk is a cash budgeting app that doesn't need your bank account. Budget by paycheck, scan receipts with AI, and track every dollar you spend — all without linking a single financial account.
Most budgeting apps want access to your bank. PayChunk doesn't. If you use cash, get tips, work gig jobs, or simply don't trust apps with your bank credentials — PayChunk is built for you.
KEY FEATURES
CASH ENVELOPE BUDGETING
• Digital cash stuffing — divide your paycheck into budget envelopes
• Built around your pay periods, not arbitrary calendar months
• Works with weekly, biweekly, semimonthly, and monthly pay
• Drag sliders to set your budget for each category
• See exactly how much cash is left in each envelope
AI RECEIPT SCANNER
• Snap a photo of any receipt and AI reads it instantly
• Automatically extracts merchant name, line items, and total
• AI suggests the right budget category for each purchase
• Import bank statements or PDF documents too
SPENDING TRACKER
• Color-coded categories with visual progress bars
• See at a glance which categories are on track or over budget
• Custom categories and sub-budgets (Premium)
• Rollover unused budget to next pay period (Premium)
BUSINESS EXPENSE TRACKING
• Flag purchases as tax deductible
• Track business expenses separately for tax season
• Perfect for freelancers, gig workers, and side hustles
NO BANK ACCOUNT NEEDED
• No bank linking — ever. No Plaid, no account credentials
• Your financial data stays on your device
• No third-party data sharing or selling
• Budget with cash, tips, and side income privately
EXPORT AND REPORTS
• Download spending data as CSV
• Filter by date range, category, or business expenses
• Full spending history with search
PERFECT FOR
• Cash budgeters and envelope stuffing fans who want a digital version
• People who refuse to link their bank accounts to budgeting apps
• Gig workers, servers, and anyone who earns tips or cash
• Freelancers tracking business expenses for taxes
• Anyone who tried YNAB or Mint and wanted something simpler and cheaper
• Anyone who budgets by paycheck instead of by calendar month
PRICING
• Free: 2 paychecks/year, 30 receipt scans/year, basic categories
• Premium: $3.99/year — unlimited paychecks, unlimited scans, custom categories, sub-budgets, rollover, export, and full history
That's not a typo. $3.99 per YEAR. Not per month. YNAB charges $99/year. Monarch charges $100/year. PayChunk costs $3.99.
WHY PAYCHUNK?
Other budgeting apps charge $8-15/month and demand your bank credentials. PayChunk costs $3.99/year and never touches your bank. We built PayChunk for people who budget with cash, earn tips, work gigs, or just want a simple budget app that respects their privacy.
Stop overpaying for budgeting. Download PayChunk today.
SUBSCRIPTION INFORMATION
- PayChunk Premium: 1 year auto-renewing, $3.99/year
- Subscription automatically renews unless cancelled at least 24 hours before the end of the current period.
- Manage or cancel in App Store Account Settings.
Privacy Policy: https://paychunk.com/privacy
Terms of Use: https://paychunk.com/terms
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Bug fixes and performance improvements. Fixed an issue that could prevent some purchases from completing.
The developer, enoch bryant, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- enoch bryant
- Size
- 68.3 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- In-App Purchases
Yes
- Paychunk Premium $3.99
- Copyright
- © 2026 JB-AI Productions
