Monthly dashboard
Income vs. spending at a glance, with charts that read like headlines instead of a balance sheet.
Personal finance, minus the spreadsheet
Know where your paycheck went — before the month is over.
Paycheck turns a stressful "will I make it to payday?" into a clear plan. Set your month, log spending in seconds, and let a built-in money coach read your actual numbers and tell you what to do next.
Paycheck is a personal finance and budgeting app for iOS and Android, built for people living paycheck to paycheck. It combines monthly budget planning, a 50/30/20 check, expense and debt tracking, and an AI money coach that answers using your real numbers — with manual entry by default and no bank login required. It is free to start, with Pro at $6.99/month and Premium at $12.99/month.
No bank login required · Free to start · Cancel anytime
60 sec
to set up your month
50/30/20
balance check built in
$0
to get started
24/7
AI money coach
Everything in one place
One app for the whole money picture
From the paycheck that lands to the debt you're paying off — Paycheck keeps the full story on a single, calm dashboard.
Budget planning
Set planned income and a savings target each month. Recurring bills auto-load on the 1st.
Expense tracking
Log spending in seconds with a smart category picker. Whole dollars by default — cents on tap.
Connected banks
Optionally link an account through Plaid to import balances and transactions — your call, never required.
Recurring bills
Set rent, utilities, and subscriptions once. They materialize as fixed bills every new month.
Savings goals
Emergency fund, vacation, car — track progress with a quick “add amount” on every goal.
Debt tracker
Balances, APR, minimum payments, and payoff progress. Paycheck flags the highest-APR debt to attack first.
AI money coach
“Ask Paycheck” answers in plain English using your real budget, top categories, goals, and bills.
Private by design
Manual entry is the default. No bank credentials, no selling your data — your numbers stay yours.
One screen, one question
A home screen built around what you're actually asking
No vanity dashboards. Every card answers a single question a paycheck-to-paycheck household quietly asks itself.
Where did my money go?
A clean donut of category spending — see the whole month in one glance.
What's eating my paycheck?
Horizontal category bars rank your biggest line items, largest first.
How much do I have left?
Income, spending, and remaining — the number that actually keeps you up at night.
Am I balanced?
A 50/30/20 breakdown across Needs, Wants, and Savings & Debt.
How's this week looking?
A weekly bar chart so a rough stretch never sneaks up on you.
Am I on track?
Savings-goal progress and debt-payoff progress, side by side.
Ask Paycheck
A money coach that has actually read your budget
Every question carries your real context — this month's plan, your top spending categories, savings progress, active debts, and upcoming bills. You get answers like a knowledgeable friend, not a generic "10 tips to save."
- Grounded in your numbers, every single message
- Dictate questions by voice, or just type
- Saved conversations with memory on Premium
Can I afford a $90 dinner this weekend?
You've got $1,840 left with 18 days to go — about $102/day. A $90 dinner fits, but it'd put dining $60 over your usual. Want me to trim somewhere to keep your savings target?
Yeah, where?
Skip two of this month's $14 subscription renewals and you're back on track. 👍
Your data, your call
The friction is the feature
Paycheck is built on manual entry on purpose — touching the numbers is what creates awareness. We never ask for bank logins, card numbers, or IDs, and we don't sell your data or use it for ads. Connect a bank only if you want to.
- Export every row you own as JSON, anytime
- Delete your account and data from inside the app
- Encrypted in transit, with strict access controls
Pay schedule
Bi-weekly · USD
Your data
Export JSONDelete account
Simple pricing
Start free. Upgrade when you're ready.
Every plan keeps your money in one place. Pro and Premium lift the limits and unlock the coach.
Free
$0 /forever
Everything you need to start understanding your month.
- 20 expenses / month
- 3 AI coach messages / month
- 1 savings goal
- Current-month history
- Debt & recurring bills
Most popular
Pro
$6.99 /month
For anyone serious about staying on plan every month.
- Unlimited expenses
- 75 AI coach messages / month
- 5 savings goals · 3 debts
- 10 recurring bills
- 12 months of history
Premium
$12.99 /month
The full coach experience with memory and exports.
- Everything in Pro
- 300 AI messages + conversation memory
- Unlimited goals, debts & bills
- 60 months history · CSV export
- Weekly AI summary
Why Paycheck
Built for paycheck-to-paycheck life
56% of Gen Z and 55% of millennials live paycheck to paycheck.Deloitte 2024 Gen Z and Millennial Survey (~23,000 respondents, 44 countries).
Roughly two-thirds (67%) of U.S. consumers were living paycheck to paycheck as of November 2024 — the highest rate since 2020.PYMNTS, November 2024.
Good to know
Frequently asked
Do I have to connect my bank account?
No. Paycheck works entirely on manual entry by design. Connecting a bank through Plaid is completely optional — it's there if you want auto-import, but you can use every core feature without it.
Is there a free version?
Yes. The Free plan lets you plan a month, track up to 20 expenses, set a savings goal, and try the AI coach. Upgrade to Pro or Premium anytime to lift the limits — and cancel whenever you like.
Which devices does Paycheck run on?
Paycheck is available for iPhone on the App Store and for Android on Google Play.
How do you handle my financial data?
Your data is encrypted in transit and never sold or used for advertising. You can export everything you own as JSON, or delete your account and all associated data from inside the app. See our Privacy Policy for the full details.
What is the best free budgeting app for living paycheck to paycheck?
Paycheck is a free personal finance app built specifically for paycheck-to-paycheck life. It shows how much you have left before payday, runs a 50/30/20 needs-wants-savings check, tracks expenses and debts, and includes an AI money coach that answers using your real numbers. No bank login is required, and the Free plan covers monthly planning, expense tracking, a savings goal, and the AI coach. According to Deloitte's 2024 Gen Z and Millennial Survey, 56% of Gen Z and 55% of millennials live paycheck to paycheck.
Does Paycheck have an AI money coach?
Yes. "Ask Paycheck" is an AI money coach that answers in plain English using your actual budget — this month's plan, your top spending categories, savings progress, active debts, and upcoming bills. So instead of generic tips, you can ask things like whether you can afford a specific purchase this weekend and get an answer based on what you have left.
Is there a budgeting app that does not require linking your bank?
Yes. Paycheck defaults to manual entry and never asks for bank logins, card numbers, or IDs. The act of touching the numbers is what builds awareness, so manual tracking is the core experience. You can optionally connect a bank through Plaid for auto-import, but it is never required.