Launching today
Beyond Payday
Know what’s left. Plan what’s next. No bank linking.
17 followers
Know what’s left. Plan what’s next. No bank linking.
17 followers
See what’s left each month, and what a new job, a house, a baby or paying off debt would change. No bank linking. Find bills to cut, see prices in hours of work, and how long you’d last without a paycheck. Share with a partner and track net worth, goals and debt payoff. Pro plans retirement month by month up to age 100, even after you retire, with Social Security, pensions and 10,000 Monte Carlo runs, plus Beth, an AI assistant. Or connect ChatGPT or Claude. Free plan; 30-day Pro trial, no card.
Hi Product Hunt 👋 I'm Shane, and I built Beyond Payday.
I gave up on finance apps years ago. The bank connections broke constantly, and all they really did was sort transactions. None of them answered the questions I actually had: Can we afford the bigger house? What if I take the new job? What happens if one of us loses an income? Are we on track to retire? So I ran my household's money from a spreadsheet for 15 years, and it kept growing.
Beyond Payday is that spreadsheet, rebuilt as a real planning engine:
• What-if planner: try a new job, a bigger house or a new car before you commit, and see what changes in what's left each month and your net worth
• Save money: hand-written tips for bills you could cut or negotiate down, and a way to rate which "wants" are worth it
• True Cost: see any price in hours of work, in the app or as you shop with the browser extension
• SHTF plan: if the paycheck stopped, how long your money lasts, and which cuts, benefits and sales would stretch it
• Savings goals, plus a debt payoff planner (avalanche vs. snowball) with a debt-free date
• Retirement to age 100 with Social Security, pensions and up to 10,000 Monte Carlo runs (Pro)
• Beth, an AI assistant that answers questions using your own numbers (Pro), and a connector so ChatGPT or Claude can work with your plan too
It's built for the whole household: share it with your spouse, and give kids limited access. It runs on the web, iPhone, iPad, Mac, Android and Windows. No bank linking, ever: you enter your numbers, and the math does the rest.
The free plan has no time limit and covers everything above except retirement projections and Beth. New accounts get a 30-day Pro trial, no credit card required. Setup takes about 20 minutes to start with a paycheck and a few bills, an evening for the complete picture, and about 15 minutes a month after that. There's a live demo with a sample household: https://beyondpayday.com/demo?ref=producthunt
US-only for now. I'd love your honest feedback, especially on what's missing for your household. I'll be here all day answering questions.
Take a look around, and I highly recommend our 2 minute overview video on the homepage: https://beyondpayday.com/?ref=producthunt
Awesome app, have been using it for a while now and helps me keeps my budget straight!
@mick_feller Any feature requests?
@shane_stebner would love to see business expense tracking at some point
@mick_feller I agree that this would be an extremely useful feature for small businesses on our Pro plan. Since we are privacy-focused and don't allow bank linking, I'm leaning towards an implementation involving receipt capture (take a pic), and AI parsing/categorization, but I haven't fully planned it out yet or started the build. Let me know if you have any ideas or suggestions to improve that flow. Simplicity is key and I'd like it to be as few steps as possible for users. It will also be available via MCP of course so you could have your AI monitor your email inbox and automatically add expenses that way too. I suggest you subscribe to our "what's new" email notifications so you don't miss updates when it's released!
@mick_feller If you plan to upgrade, use the coupon on this page for 50% off a year of Pro!