Cashflow Precision
Early Access — Free on iOS & Android

See what you'll save.
Before you save it.
Down to the penny.

PayPeriod.AI uses your income, pay schedule, and bills to forecast your expenses, balances, and savings months ahead. No guessing. No categories. Just your real numbers, projected forward.

Get the App See Features

Available now via Expo Go — a free app from Apple & Google Play. Get direct access to the latest build as we develop in the open. App Store launch coming soon.

100% Free to start
Claude Powered AI Agent
0 Spend categories
Multi-year Pay period forecasting
Why Switch
This isn't another budget app.

Budget apps make you categorize what you already spent. PayPeriod.AI forecasts what happens next — organized around when you actually get paid.

Traditional Budget Apps

✕ Monthly-only view — ignores your pay schedule
✕ Categorize every transaction manually
✕ Over $99/yr — monthly plans even higher
✕ Steep learning curve — 2-3 months to get comfortable
✕ Confusing credit card handling
✕ No forecasting — shows you the past, not the future
✕ Generic AI with no context on your numbers
✕ General AI assistants cost $20/month and have no context on your finances
✕ Requires bank account linking

PayPeriod.AI

✓ Organized around your actual pay schedule
✓ Zero categories — every bill on its exact date
✓ Free forever — Pro at $7.99/mo
✓ Set up once, know your numbers immediately
✓ Clean credit card tracking with variable projections
✓ Forecasts balances months ahead, down to the cent
✓ AI Agent with full context on every dollar
✓ PayPeriod.Agent is fully loaded with your financial data — at less than half the cost
✓ No bank linking — your data stays yours
Inside the App
See it in action
Dashboard
Chime Checking
Rollover
Next PaydayMar 14
Days Until5 days
Current Period Balance
$1,247.83
Monthly Surplus+$412.50
Savings This Period$200.00
Remaining Bills3 of 8
Pending Amount-$485.00
Savings Goal
2026 Target$8,000
$1,760 saved22%
Dashboard
Status
Mar 1 - Mar 14
Calendar
Chime SoFi
S
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Allocation$1,850.00
Total Payments-$602.17
Available$1,247.83
Status Calendar
Status
Mar 1 - Mar 14 · Chime
List
Allocated$1,850.00
Carryover+$247.83
Total Available$2,097.83
Payments
Rent$850.00
Car Insurance$142.50
Electric$89.67
Internet$65.00
Phone$45.00
Capital One CC$375.00
Paid$1,082.17
Remaining$485.00
Status List
Forecast
Chime · Rollover
Rollover
Summary
Manage
Period: Mar 1 - Mar 14
Income$2,400.00
Allocation$1,850.00
Expenses-$1,567.17
Projected Balance$1,247.83
Mar 15 - Mar 28
Allocation$1,850.00
Carryover+$1,247.83
Expenses-$1,342.50
Projected Balance$1,755.33
Mar 29 - Apr 11
Projected Balance$2,105.16
Forecast
Forecast
SoFi Checking · Save
Save
Summary
Manage
March 2026
Total Allocation$1,100.00
Total Expenses-$875.00
Monthly Surplus$225.00
Flows to SoFi HYSAAuto
April 2026
Projected Surplus$225.00
May 2026
Projected Surplus$225.00
June 2026 (3 pay periods)
Projected Surplus$487.50
Save Mode
Savings
SoFi HYSA · 3.3% APY
Tracking
Current Balance
$4,250.00
2026 Goal: $8,00053%
Running Total
From Save Accounts$3,150.00
Manual Deposits$1,100.00
Total In$4,250.00
Projected Annual
By Dec 2026$9,450.00
vs Goal+$1,450
Savings
Monthly Tracker
Projected vs Actual
Projected YTD$4,800
Actual YTD$4,250
Difference-$550
Jan
$1,600
Feb
$1,400
Mar
$1,250
Apr
$1,100
May
$1,100
Jun
$1,300
Actual Deposits
Jan
$1,500
Feb
$1,350
Mar
$900
Monthly Tracker
PayPeriod.Agent
AI Financial Assistant
Claude
How can I save more this month?
Looking at your numbers: Your Chime account allocates $1,850/period but only $1,567 in expenses. That's $283 surplus each period.
Move $200/period to SoFi checking — it flows to your HYSA automatically. That's $400/mo extra savings with zero effort.
What about my credit card?
Your Capital One averages $375/mo but spiked to $620 last month. If you keep it under $400, you free up $220/mo — that's $2,640/yr toward your savings goal.
AI Agent
Built From Experience
7 years. One spreadsheet.
Now an app.

This isn't theory. PayPeriod.AI was born from 7 years of managing real money through a single spreadsheet — every cent allocated, every expense dated, every account balanced to the penny. That system now lives in an app.

// The original system
pay_frequency: bi-weekly
accounts: 3 checking, 2 savings
expenses_tracked: every single one
unaccounted_for: $0.00
categories_needed: 0
years_running: 7
status: → now an app

// Every dollar has a date.
// Every account has a mode.
// Every pay period is projected.
How It Works
Set it up once. Know your numbers forever.

Four steps to total financial clarity. Every number updates automatically each pay period.

01

Set Up Your Income

Choose your pay frequency and anchor to your next pay date. Supports multiple income sources and alternating A/B paychecks for varying deductions.

02

Create Your Accounts

Add checking and savings accounts. Each gets a balance mode that changes how the app tracks your money.

Rollover Balance carries forward. Best for main checking.
Save Surplus flows to linked savings automatically.
03

Set Your Allocations

Split each paycheck across accounts to the cent. A/B period allocations for fine-grained control. The linked system keeps everything balanced.

04

Add Your Bills

Fixed bills, variable expenses with rolling averages, credit cards, investments, and one-time costs. Every expense mapped to its exact date.

Features
Everything you need. Nothing you don't.

No guessing. No rounding. No categories. Every number is grounded in what's actually left after what's actually scheduled.

Pay Period Calendar

Every expense mapped to its exact date. See what's paid, what's pending, and what's left — period by period.

Account Allocations

Split each paycheck across accounts to the cent. Allocations always equal your pay. Always balanced.

Forecasting

See projected balances months ahead. Period-by-period in Rollover mode, monthly summaries in Save mode. Edit bills inline.

Rollover & Save Modes

Two modes per account. Rollover carries your balance forward. Save sweeps surplus to linked savings automatically.

Savings Goals

Set annual targets. Track projected vs actual monthly. Smart linking from Save-mode accounts drives consistent savings.

PayPeriod.Calc

A full calculator always one swipe away. Crunch numbers without leaving the app. Expression history included.

AI-Powered
Meet PayPeriod.Agent

Powered by Anthropic's Claude — pre-prompted as your personal CFO. It doesn't give generic tips. It analyzes your allocations, spending patterns, and projections, then tells you exactly where to move money and why.

Powered by Claude — Anthropic Latest Sonnet model · CFO-level financial reasoning · Full context on every dollar
Allocation optimization Spending analysis Savings strategies Surplus forecasting What-if scenarios
PayPeriod.AI.Agent
How can I improve savings this month?
Quick win: Your Chime account has $1,000/paycheck allocated but only ~$600/mo in expenses from it. Moving $200-400 to SoFi per period flows directly to your HYSA at 3.3% APY.

Your Capital One history shows a $2,500 spike last month vs. a $750 average. Keeping it near $450-750 consistently frees up $100-200/mo for savings.
What does April look like?
April has 2 pay periods (4/2 & 4/16). Total income: $4,800. Projected expenses: $3,425. You'll have $1,375 surplus — $875 flows to HYSA automatically.
What Users Say
From spreadsheets to PayPeriod.AI

Early users who made the switch.

"

I used to spend 2 hours every payday reconciling my spreadsheet. Now I open the app and everything is already calculated. The forecasting alone saved me from overdrafting twice.

— Beta User
"

The AI agent is unreal. I asked it what my bonus projection was and it calculated the exact net amount after taxes and told me which account it would go to. No other app does that.

— Beta User
"

Finally an app that thinks in pay periods, not months. I know exactly what's available between each paycheck. The savings tracker keeps me accountable every single period.

— Beta User
What Changes
When you know your numbers.

When every dollar has a plan and every balance is projected, your relationship with money changes.

No More Surprises

See shortfalls before they happen. Know exactly what's available in every account before you spend a dollar.

Consistent Savings

Automated surplus allocation drives consistent deposits into savings every pay period — not just when you remember.

Total Clarity

Check in every pay period — that's 26 times a year your money is accounted for, projected, and planned.

Pricing
Simple plans. Real value.

Start free with every tracking feature included. Upgrade when you want more from the AI Agent.

PayPeriod.Free

$0 /forever
Every financial tracking feature. No paywall. The only limit is AI Agent usage.
  • Full dashboard & pay period tracking
  • Multiple income sources & alternating paychecks
  • Unlimited expense & payment tracking
  • Forecasting & savings projections
  • PayPeriod.Calc built-in calculator
  • Data export (CSV & JSON)
  • Cross-device sync
  • AI Agent: 3 messages/day, 1 conversation
Get Started Free
Most Popular

PayPeriod.Pro

$7.99 /mo
Unlimited AI financial guidance. Full access to every feature, no limits.
$49.99/yr option — save 48%
  • Everything in Free, plus:
  • Unlimited PayPeriod.Agent messages & conversations
  • AI budget optimization
  • Priority support
  • Early access to new features
Subscribe

Most budgeting apps charge over $99/yr — and their monthly plans cost more than PayPeriod.AI's entire annual subscription. No free tier. No AI agent.
PayPeriod.AI gives you more features, forecasting, and AI — starting at $0.

FAQ
Frequently asked questions

Everything you need to know about PayPeriod.AI.

Rollover mode carries your leftover balance from one pay period to the next, building up over time. Save mode resets your balance each month and automatically flows the surplus to a linked savings account. Use Rollover for your main spending account and Save for dedicated bill-paying accounts.
If you get paid bi-weekly, your paycheck amounts can alternate due to varying deductions, benefits, etc. Period A and Period B let you set different net pay amounts and different allocation distributions for each alternating paycheck, giving you precise control over your budget.
When you enter a variable expense or credit card statement each month, the app calculates a rolling average using the best available window of 1-6 months to project future months. The more history you provide, the more accurate the projections become.
Yes. You can add as many checking and savings accounts as you need. Each checking account gets its own allocation from your paycheck, and you can switch between them on the Dashboard, Status, Forecast, and Savings tabs.
Yes. In the Forecast tab's Manage section, you can tap any expense amount to edit it. This creates a month-specific (or period-specific in Rollover mode) override without changing your recurring setup.
Open the Forecast tab, scroll to the Manage / Add Payments section, and tap "Add Expense." Enter a name and amount, and it will be added as a one-time expense for that period (Rollover mode) or month (Save mode).
Yes. When you're signed in, your financial data syncs automatically to the server. When you sign in on a new device, all your data downloads. The app also saves locally so you can use it offline. You can also use PayPeriod.AI without creating an account — in that case, all data stays on your device.
When you change one account's allocation, the app asks you to pick another account to absorb the difference. This ensures your total allocations always match your paycheck — you won't accidentally budget more or less than you earn.
Go to the Savings tab and set an annual savings goal. The app tracks your projected savings (based on account surpluses) against your actual savings (based on balances you enter), showing your progress throughout the year.
Marking an expense as paid updates your available balance calculations. The Dashboard and Status tab reflect what's remaining for the current period. Paid expenses appear with a strikethrough so you can easily see what's done.
No. PayPeriod.AI never asks for or collects bank login credentials, account numbers, or social security numbers. All financial data is entered manually by you. Your data is stored locally on your device and, if you sign in, synced securely to our cloud for cross-device access.
Best Practices
Get the most out of PayPeriod.AI

Quick tips for getting the best results from the app.

Update your variable expenses and credit card statements each month for more accurate projections.
Use the paid checkboxes to track what you've already paid — this helps the Dashboard show your true available balance.
If your pay varies, use the alternating A/B period feature to account for different paycheck amounts.
Set up your savings goal in the Savings tab to stay motivated throughout the year.
Use one-time expenses in the Forecast tab for unexpected costs so they don't throw off your plan.
Check the Forecast tab regularly to see how changes today affect your finances weeks and months ahead.
Your data syncs across devices when you sign in, so you can check your finances from anywhere.
Ask the AI Agent specific questions — "What does March look like?" works better than "Help me budget."
Get the App

Start organizing your
cashflow today.

Two quick steps. Free forever. No credit card required.

1

Download Expo Go

A free app from Apple & Google Play that lets you run PayPeriod.AI directly.

App Store → Google Play →
2

Open PayPeriod.AI

Once Expo Go is installed, tap below to launch the app instantly.

Open PayPeriod.AI →

PayPeriod.AI is in early access via Expo Go while we prepare for full App Store and Google Play listings. You're getting the same app — just ahead of everyone else.