Paycheck Planner: Envelopes
Envelope budgeting & forecast
Only for Mac
Free
Mac
Paycheck Planner starts where your money actually starts: the paycheck.
Enter a paycheck and allocate it across envelopes for the expenses it has to cover. You see what's covered, what's short, and what's left over — before the money is spent. It works the same whether you're paid weekly, every two weeks, twice a month, monthly, or on no fixed schedule at all. Irregular paychecks are first-class here, not an edge case.
FREE, FOREVER
• Plan one paycheck at a time with the full allocation tools — the complete mechanic, not a crippled demo
• Leftover is always yours to spend; the app never forces a sweep
PAYCHECK PLANNER PREMIUM (subscription)
• Unlimited paychecks, and everything is remembered — new paychecks start from your last allocation, adjusted in one pass
• Recurring expenses paired to the paychecks that cover them
• Forecast: your projected balance across the coming weeks, with low-balance and shortfall warnings before a check runs short
• Sinking-fund envelopes: irregular and annual expenses funded a little from every paycheck, each with a "fully funded by" date
• Reports: paycheck, envelope, forecast, monthly summaries, and paycheck comparisons, with CSV and PDF export
• iPhone and Mac, with the same plan on both
Start with a 30-day free trial of Premium, then $1.99/month or $19.99/year. The free tier stays free either way.
PRIVATE BY DESIGN
No bank login. No account. Everything is entered by hand and stays on your device. We collect no data.
Paycheck Planner makes plans and projections from the numbers you enter. Projections are estimates, not financial advice.
Subscription terms: The free trial starts when you subscribe and automatically converts to a paid subscription unless cancelled at least 24 hours before the trial ends. Payment is charged to your Apple ID account. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel anytime in your App Store account settings.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Your plans now save and sync through your own private iCloud, so your allocations are waiting for you on iPhone and Mac. Choose Automatic, Manual, or Local-only sync in Settings. Backup and restore are built in, so you can keep a copy of your plan or move it to a new device. On macOS 13, sync isn't available, but every planning feature works locally.
The developer, Steven Patrick Nash, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Steven Patrick Nash
- Size
- 1.4 MB
- Category
- Finance
- Compatibility
Requires macOS 13.0 or later.
- Mac
Requires macOS 13.0 or later.
- Mac
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Steven Nash