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. The total expenses and balance-after-period projections stay constant regardless of what you've marked as paid. Save mode accumulates your balance across all pay periods within the month and flows any surplus to a linked savings account at month end. 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.
The behavior depends on your account mode. In Rollover mode, the total period expenses and balance-after-period stay the same — marking as paid just checks it off visually. In Save mode, marking a payment as paid updates the running balance on the Dashboard, showing how much of your cumulative allocation remains. Paid status syncs across Dashboard, Status, and Forecast tabs automatically.
The Dashboard Save mode card shows a cumulative running balance across all pay periods in the current month. When the first paycheck arrives, the balance starts at that allocation minus any paid expenses. When the second paycheck of the month hits, the balance adds the new allocation to whatever was remaining. This gives you a real-time view of your available funds for the month.
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.
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.
PayPeriod.Calc is a built-in calculator you can access by swiping left from any screen. It's always available at your fingertips for quick math without leaving the app. Swipe right to open the menu, swipe left to open the calculator.
PayPeriod.Agent is an AI financial assistant that has full context of your financial data — accounts, income, allocations, payments, and savings. Ask it questions like "Can I afford this purchase?" or "What happens if I increase my savings by $200?" It reasons from your actual numbers, not generic advice. Access it from the Agent tab.
PayPeriod.AI offers two tiers. Free gives you every financial tracking feature with no paywall — dashboard, forecasting, savings, calculator, export, sync — plus 3 AI Agent messages per day and 1 conversation. Pro ($7.99/mo or $49.99/yr) removes all AI limits entirely with unlimited messages and conversations. The only thing that changes between tiers is how much you can use the AI Agent.