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CLUSTER PAY-BILLS-ACTUAL · 17 ENTRIES · EARLIEST ENTRY 2025-05-12

Paycheck-based budgeting apps

This cluster of 23 mobile-oriented budgeting apps allocates income, bills, and spending around actual pay schedules, forecasting future balances and safe-to-spend amounts in real time. Dated entries span from March 2017 through July 2026, with sparse early appearances, a minor concentration in late 2025, and a larger group in mid-2026. The top traction signal is nearly flat: Pebble — Paycheck Budget, piggy-pulse-api, and daily-wallet each carry 0 stars.

Entry timeline

ENTRY TIMELINE

JAN 2018: 1JAN 2022: 1MAY 2025: 1DEC 2025: 1MAR 2026: 1APR 2026: 1MAY 2026: 2JUL 2026: 3AUG 2026: 4SEP 2026: 2
JAN 2018SEP 2026

Each bar is the month a member carries, which is a creation date where the source published one and a crawl date otherwise. Nothing in the index was found before 11 August 2026, and coverage broadened sharply on 14–15 August, so a bar from then on reports how much we found that month, not how much was built; an earlier bar reports how far back a member's own source dated it — not how long we have been watching.

Members by activity

Activity signals, not revenue.

Build origin · 1 ai-built · 16 unlabelled

Operator · 5 hobby · 4 indie · 1 commercial · 7 unlabelled

Two labels per entry, never collapsed into one: how it was built, and who stands behind it. Counted over the 17 listed below. Unlabelled means nothing has decided yet — not that the answer is small.

  1. 01BYP - Budget Your Paycheck0★23 dayslivePaycheck-based budgeting app that plans expenses around each pay period, sets a spending allowance, tracks savings, and handles upcoming larger expenses.
  2. 02Pebble — Paycheck Budget0★1 moliveindieMobile budgeting app that organizes spending and bills around a user's actual paycheck schedule, projecting balances and loan payoff dates across pay periods.
  3. 03Salary Planner Budget & Track0★1 moliveBudget app that organizes personal finances around pay cycles rather than calendar months, tracking income, expenses, and savings between paydays.
  4. 04MoneyMap - Budget Planner App0★2 moliveMobile budgeting app that plans spending around a user's actual pay cycle, connects to bank accounts, and shows a daily safe-to-spend balance after bills and goals.
  5. 05PayCycle: Track & Budget Bills0★2 moliveindieMobile app that builds budgets around a user's actual pay schedule, tracking bills and transactions by pay period instead of calendar month.
  6. 06plannrr0★28 dayslivehobbyBudget planning app that downloads YNAB budgets, lets users draft reallocations in a sandbox, syncs changes back, and shows bills and goals on a calendar.
  7. 07Monthly: Budget Planner0★8 dayslivehobbyBudgeting app that calculates remaining monthly money after income and recurring bills, with scheduled payments, reminders, and household accounts.
  8. 08Allot: Budget By Paycheck0★2 moliveindiePaycheck-based budgeting app that tracks income, bills, and savings goals per pay period instead of by calendar month.
  9. 09cash-patrol0★26 days—Mobile paycheck coach that helps users allocate deposits to bills, minimums, and one focus debt to pay down balances.
  10. 10payday0★1 mo—hobbyMac app that allocates each paycheck across YNAB categories while preserving existing balances in those categories.
  11. 11Blocks: Simple Budget0★2 molivehobbyBudgeting app that tracks biweekly paychecks, recurring bills, and surplus savings, with all data stored privately on-device.
  12. 12Payments-Bookkeeping0★1 mo—hobbyPersonal finance app that tracks work payments across jobs and automatically calculates monthly pay.
  13. 13owsecal0★2 moliveai-builtCalendar app that color-codes paydays based on a payroll schedule, allowing users to visualize weekly pay periods.
  14. 14Budget Planner - Mellow0★2 yrabandonedliveBudgeting app that organizes income and transactions into budget line items and allocations for weekly, biweekly, or monthly plans.
  15. 15Budget Ladder0★5 moliveBudgeting app that bases next month's budget on actual spending, tracks a monthly cap, and includes a retirement calculator.
  16. 16EveryTwo: Biweekly Budgeting0★7 mostalelivecommercialA budgeting app that organizes bills and paychecks around weekly or biweekly pay cycles to help users avoid overdraft fees.
  17. 17Redee Clear0★unknownliveindieTool that generates a weekly credit card payoff schedule from balances, limits, and interest rates based on a monthly budget.

Ranked by traction, highest first, and paged 20 at a time — this is a window on the cluster, never the whole of it. Ties are broken by a stable id so a product cannot appear on two pages or fall between them. Browse every cluster.