Paykeep: Budget by Paycheck
Shift, gig & variable pay
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Know what is safe to spend, and what is still to come out, every day of the month.
Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess.
Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for.
Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you.
WHAT IT DOES
- One steady number to live on: everything above it is a bonus
- Always know what has come out this month, and what is still to pay
- Months run payday to payday, so the bills reset the day you are paid
- Optional weekend and bank holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money
- Pay stubs pre-fill from the last one: entry is a check, not a chore
- Variable bills like groceries and electricity learn from what they actually cost
- Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals
- Group yearly expenses like tax, insurance and the service into one savings pot with one monthly amount, and the pot pays each bill when it lands
- Savings pots and loans on honest bars: the goal, the plan, and the truth
- A plain-words summary that reads your month back to you
SET UP ONCE
Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month.
PRIVATE BY DESIGN
No account, no server, no analytics. Your figures stay on your phone and in your own iCloud, and nowhere else. Paykeep cannot see your pay.
ONE MONTH FREE
Every plan starts with one month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel any time. Without Pro everything you entered stays safely visible, read-only.
Paykeep is a planning tool, not financial advice. Every figure is an estimate built from your own pay stubs.
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: https://brambleapps.com/paykeep/privacy-policy.html
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The developer, Ruth McCarthy, 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 Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ruth McCarthy
- Size
- 41.9 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
4+
- 4+
- In-App Purchases
Yes
- Paykeep Pro Yearly $26.49
- Paykeep Pro Monthly $3.39
- Copyright
- © 2026 Ruth McCarthy