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.