Paycheck Planner: Bills
What's safe to spend today
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
What's safe to spend before your next payday, after the bills still coming. No bank linking, no account, no tracking. Free to start. Budget Access is a one-time $4.99.
Category budgeting doesn't work when you live paycheck to paycheck. You don't need forty envelopes. You need the answer to one question:
"After the bills that are still coming before my next payday, how much can I actually spend?"
That's the whole app. One number, on the front screen, honest.
HOW IT WORKS
• Enter your balance, your paycheck, and your bills — once
• Paycheck Planner works out which bills land before your next payday
• It subtracts them, and shows you what's left: your Safe to Spend
• Plus a daily allowance, so you know how to pace it
BUILT FOR REAL PAY SCHEDULES
Biweekly that drifts across the month. Semimonthly on the 1st and the 15th. Monthly on the 31st in a month that only has 30 days. The date maths is the hard part, and it is done properly.
WHAT YOU GET
• Safe to Spend, front and centre
• Next payday and the days until it
• Bills still due before then, and which are already paid
• A daily allowance
• One-tap spend logging
• Trends and charts across pay cycles
• A buffer setting, if you like to hold a cushion back
NO BANK LINKING — ON PURPOSE
Paycheck Planner never asks for bank credentials and has no bank connection. You type in your balance. Everything is calculated on your device. There is no account, no cloud, and no network request of any kind. No analytics, no tracking, no ads.
FREE, WITH AN OPTIONAL ONE-TIME UNLOCK
Free: one income source, up to 5 bills, Safe to Spend, and spend logging. Full Unlock adds unlimited bills, multiple income sources, Trends and charts, and the buffer. One-time — not a subscription.
Paycheck Planner is a budgeting tool, not financial advice.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The one-time purchase is now called Budget Access, named for what it actually unlocks: unlimited bills, multiple income sources, Trends, and the safety buffer. Same purchase, same price — if you already own it, nothing changes.
The developer, Donald Proctor, 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
- Donald Proctor
- Size
- 971.8 KB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 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
- Budget Access $4.99
- Copyright
- © 2026 Ripple
