PayCheck Budget

Hey Product Hunt! 👋

You know that moment when your bank shows $500 but your next paycheck isn't until Friday—and you have no idea if you can actually spend $50 at Target?

Every budgeting app shows you monthly budgets. But 50+ million Americans are paid semi-monthly. We don't think "what can I spend this month?" We think "what do I have until my next paycheck?"

PayCheck Budget is the only app built for paycheck-to-paycheck budgeting:

💰 Paycheck-Based Budgeting

• Assign every bill to Paycheck 1 or Paycheck 2

• Customize your pay dates—1st & 15th, last day of month, or any schedule that matches YOUR pay cycle

• See exactly what you have until next payday, not end-of-month

• Variable paycheck amounts with per-month overrides for bonus months

🤖 PayCheck Buddy

• Ask "Can I spend $50 on shoes?" → Instant yes/no with remaining balance, safety buffer, days to payday

• Date range analysis: "Show me rent for last 6 months"

• Detects spending anomalies and forecasts cash flow

• Learns from your responses for smarter suggestions over time

📱 Home Screen Widgets

• Safe to Spend widget—glanceable view of what's left until payday with optional safety buffer

• Quick Add widget—one-tap expense logging with up to 6 customizable categories and amounts

• Updates hourly, fully customizable

👥 Built for Real Life

• Real-time partner sync via CloudKit—see their purchases instantly

• Split expenses with roommates/friends/co-parents—send splits via text, email, anywhere

• Custom categories, subcategories, and tags that sync across devices

🔔 Smart Everything

• Notifications ONLY for bills without autopay (no spam for auto-payments)

• Deep links to payment portals—tap "Pay Electric" → opens your utility site

• Smart categorization that learns YOUR patterns

📊 Reporting & Search

• Export to CSV, text, mail, notes—your data, your way

• Save your most-used searches for instant access

• Filter by Paycheck 1 or 2, bills vs expenses, categories/tags

• Sort and group however you need

💡 Financial Tools

• 15+ calculators: home buying, car affordability, debt payoff, emergency fund

• All calculations broken down per-paycheck

• Receipt scanning for quick expense entry

• Savings goals with automatic per-paycheck calculations

🔒 Completely Private No bank accounts. No external servers. Just your device and iCloud. Your financial data stays YOURS.

I built this after Chapter 13 bankruptcy taught me hard lessons about money. Taught myself Swift from zero to solve a problem nobody else was solving.

Download the TestFlight beta and help me build something that changes how 50+ million Americans budget.

Let's go.