Master Your Money.
Get — and Stay — Out of Debt.
See your true financial picture in real-time without giving up your credit cards or carrying physical cash. Every dollar tracked. Every bill secured. Automatically.
Decoupled & Deadly Accurate
Stop guessing how much cash you really have. Payday Planner separates your digital budget buckets from your physical bank accounts, managing both simultaneously.
Automated Payday Allocation
Every time you get paid, our two-step Allocation Funnel automatically secures your mandatory minimums — rent, debt, and interest — then reveals exactly how much money to play with you have left.
In-the-Moment Clarity
Out at a restaurant? Check your budget before you swipe. Snap a receipt and we instantly deduct the final amount including tips — bypassing pending bank delays entirely.
Automated Avalanche Debt Payoff
We aggressively target your highest-interest debt first using the Avalanche method — with manual overrides for quick wins — to get you to zero balances faster.
Wretched Wednesdays
Once a week, sync your accounts, approve internal bucket borrowing, and let the system tell you exactly how much physical cash to transfer to perfectly pay off your credit card bill.
Live Bank Data via Plaid
Connect your real bank accounts securely through Plaid. Balances and cleared transactions sync automatically — no manual entry required.
See it in action
Three scenarios that show why Payday Planner is different.
The In-the-Moment Decision
Out shopping and wondering if you can afford it? Check your bucket, make the purchase, snap the receipt — the app deducts the final amount including tip before the bank even sees it.
The Payday Funnel
Paycheck lands. The system locks away rent, minimums, and interest. Then reveals exactly how much discretionary cash you have left to allocate however you choose.
Wretched Wednesdays
Sit down once a week. Approve any emergency borrowing, then get exact instructions: Transfer $X from General Fund, $Y from Recurring Fund, $Z from Savings — your credit card is perfectly covered.
How it works
Ready to take control?
Sign in with your Microsoft, Google, or Apple account.
No new password. No credit card.