Tell your money where to go.
Payday Audit turns each income deposit into a practical zero-sum plan. Cover the must-pays, build your safety net, attack debt, save, invest, and finish with $0 left to assign.
Built for the moment money arrives
A payday budget is not another category grid. It is a decision order that keeps the next dollar from floating.
Start with this paycheck
Enter take-home income, payday timing, and rollover cash before the allocation choices begin.
Protect the must-pays
Debt minimums and essential living costs get handled before extra payoff, investing, or lifestyle choices.
Choose the tradeoff
Decide whether this deposit leans toward debt attack, breathing room, or a balanced plan.
Fund the real goals
Send extra dollars toward savings goals, emergency targets, debt payoff, or investing without losing the zero-sum count.
Repeat faster next payday
Roll forward the last budget and adjust what changed instead of rebuilding from a blank page.
Upgrade only when you need reports
Free covers the core routine. Pro adds exports, goals, trends, net worth, and the summary dashboard.
A repeatable payday routine
The wizard keeps the order clear so payday does not turn into guesswork.
Capture what arrived
Start with net income, frequency, next payday, and any cash already waiting in checking.
Assign in priority order
Move through minimums, essentials, emergency fund, extra debt payoff, investing, and goals.
Finish at $0
Use Smart Allocate or manual choices until every dollar has a job, then save the plan.
Less mystery. More decisions.
The outcome is not a prettier chart. It is knowing what this deposit is supposed to do.
Before Payday Audit
- Checking the balance and hoping
- Minimum payments buried in the noise
- Savings goals competing with bills
- Starting over every payday
After Payday Audit
- $0 left to assign before you spend
- Debt minimums protected first
- Savings and payoff targets visible
- Next payday starts from the last plan
What people ask before they start
Clear answers for people deciding whether payday planning is the missing piece.
What is Payday Audit?
Payday Audit is a paycheck-first budgeting app. You enter the money that just arrived, walk through your obligations and goals, and assign every dollar until the plan reaches $0 left to assign.
Is this the same as tracking spending?
No. Spending trackers explain where money already went. Payday Audit is built for the decision before spending: what should this income deposit do for bills, debt, savings, investing, and real life?
Do I need to connect my bank?
No bank connection is required. You can start with your take-home income, known bills, debt minimums, savings targets, and the cash already sitting in checking.
When should I upgrade from Free to Pro or Team?
Use Free to build and repeat your zero-sum budgets. Upgrade to Pro when you want reporting, exports, goals, trends, and net worth. Choose Team when a household needs to plan from one shared budget.
Build the next budget before the money disappears.
Create a free account, enter one income deposit, and leave with a plan you can repeat.
Create your free budget