A pay-period-first finance app that shows where every cent goes. Precision and control — not categories and guesswork.
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.
Not a generic chatbot. Full context on every dollar — income, bills, accounts, credit cards, savings. It answers with your actual numbers.
Every expense mapped to its exact date within each pay period. You see what's paid, what's pending, and what's left.
Split each paycheck across multiple accounts to the cent. Linked system ensures allocations always equal your pay.
See your projected balances months ahead. Not estimates — calculated from your actual income, expenses, and pay schedule.
Two modes per account. Rollover carries unused balance forward. Save sweeps surplus to savings automatically.
Track statements, payments, and balances. Fixed or variable with smart projections based on your history.
Annual targets with projected vs. actual tracking. Auto-regulated by your allocations — savings happen by design, not by accident.
Real-time view of your pay period. What's paid, what's pending, what's available — across every account, down to the cent.
Not estimates. Projected from your actual income, allocations, and pay schedule — updated every period.
Projected vs. actual. Monthly tracking. Annual goals. Auto-regulated by your allocations — not willpower.