PayCycle: Track & Budget Bills

BUDGETING THAT MATCHES HOW YOU GET PAID

▸ Budget by paycheck, month, quarter, year
You control the schedule, PayCycle sets it all up.
▸ Automatic pay period generation
▸ Easy flexible transaction level editing
▸ Zero data collection
▸ Everything stays on your device or private iCloud account
▸ No bank logins
▸ No account required
▸ Works offline

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WHAT MAKES PAYCYCLE DIFFERENT?
Most budget apps force monthly thinking. But for many of us who get paid every other week, paydays and bills never really sync and sometimes that can be frustrating, especially for those of us who live paycheck to paycheck and really just need to know:

▸ Can I afford this before my next payday?
▸ What expenses do I need to prioritize?
▸ What bills can I move around to make ends meet?

PayCycle organizes your finances around YOUR pay schedule—weekly, biweekly, semi-monthly, monthly, or any custom pay schedule. A budgeting and expense tracker app that actually makes sense and adapts to you, not the other way around.

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KEY FEATURES

▸ Pay Period Organization
Budget follows your pay periods, not arbitrary calendar dates. See what's left right now.

▸ Smart Bill Management
Add bills once, PayCycle assigns them to the correct pay period and alerts you when due.

▸ Partial Payment Support
Can't make your entire rent payment this month? Split the expense and manage partial payments because sometimes we just get behind.

▸ Flexible Editing
All transactions are easily edited individually for any unexpected changes, even transactions that have a set schedule.

▸ Flexible Income Support
Tips, side gigs, variable hours, PayCycle adapts to how you actually earn, PayCycles are derived from income items you set as "Primary".

▸ Visual Insights
Category charts show how your money flows by pay period, month, or year. Spot shortfalls and manage emergencies with ease.

▸ Payment Tracking
See what's paid and what's due. Anything you missed or had to postpone or split into partials is easily tracked and automatically rolls over into your current pay period.

▸ Custom Categories
Organize expenses your way with custom categories and colors. we give you some to start but keep, make, edit, or delete as you desire.

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HOW IT WORKS
Set one or multiple PRIMARY Income items — PayCycle automatically generates your pay periods for the next two years and continues to add on keeping your budget two years out at all times. Every income and expense lands in the right period, including things you may get behind on. You can see what's available now, not some abstract monthly average. Designate any income as PRIMARY to anchor your schedule, and adjust individual dates or amounts anytime.

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UNDER THE HOOD
Every expense and income you create generates independent instances for each occurrence. Move a bill to next week, change a single Income or Expense Amount, even if it isn't variable? That change only affects that one instance—your recurring schedule stays intact. Need to make partial payments? Split it into as many chunks as you need until the balance is zero, each tracked separately. This flexibility means your budget bends with life instead of breaking. Unexpected expense? Shift things around. Got paid early? Adjust that one paycheck without rebuilding everything. Missed a bill? It automatically carries forward into your current period even partially paid bills that are overdue still. Supports weekly, biweekly, semi-monthly, monthly, and fully custom pay schedules. Whether you prefer simple expense tracking, savings goals with manual or flexibly scheduled recurrence intervals including by pay period, or working toward zero-based envelope-style budgeting—PayCycle's flexible architecture adapts to your budgeting style, you never have to adapt to it.

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No bank logins.
No account creation.
No compromises.

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