The household money plan for two
Every payday, a plan.
Every bill on one page. What’s free to spend until the next paycheck. And when a debt is finally paid off, a nudge to put that payment to work — before it quietly turns into takeout.
Plain words in, a clear plan out. No ads, no selling your data, and no AI reading your words by default.
Free to spend until Fri, Nov 14
$412.60
After the 3 bills this paycheck still covers and its share of groceries and gas.
Rent$1,850Car payment$389- Electric up $14$142
- Internet$70
- Card payment$250
Why paydays
Your money arrives every other Friday. Your budget shouldn’t pretend it arrives on the 1st.
Most budgets plan the month. Your bank account lives paycheck to paycheck — even when things are fine. Payday Plan lines every bill up with the deposit that pays it, so “can we afford this?” has an actual answer.
Plan by paycheck
Each bill sits under the deposit that covers it, with what’s left after.
One honest number
Free to spend until the next payday — after bills and a fair share of groceries.
Every freed payment gets a decision
Debt paid off? That payment goes somewhere on purpose.
Two people, one plan
See who ticked what. Get one ping, not twelve.
Just tell it
Skip the forms. Type it like you’d text your partner.
“Mortgage $3,600 on the 1st, autopay.” “I get paid $3,000 every other Friday.” “Skip dance this month.” Payday Plan reads it, shows you exactly what it will change, and waits for your yes.
- Read on our server, not by a chatbot. A built-in reader handles everyday sentences — no AI, nothing sent anywhere.
- Nothing changes until you say so. Untick anything, fix an amount, then save. Undo the whole batch for a day.
- It learns your words. Tell it once that “dance” means the competition fees, and it remembers.
Read by Payday Plan’s built-in reader. No AI, and nothing left the server.
Debt payoff
The month a debt ends is the month most money goes missing.
A $350 payment stops. Nobody decides anything. Six months later it’s gone into a dozen small things. Payday Plan catches that moment and asks where it should go instead.
- Payoff month for every debt, and how much you’ve paid down so far.
- Freed payments roll forward to the highest-interest balance — or a goal.
- Never prepay a 0% plan. Promo-ending warnings 60, 30 and 7 days out.
Everything it does
The whole month, handled — without a spreadsheet.
Bills, paychecks, debts, goals and subscriptions in one place, built for the way two people actually run a house.
The month
Every bill this month, five ways to look at it, one tap to tick
How it works →Free to spend
One number that says what's actually yours until next payday
How it works →Just tell it
Type what changed in plain words. Skip the forms.
How it works →Emailed bills
Forward the bill email. It finds the amount due and waits for you.
How it works →Bank auto-tick
Optional. Your bank's charges tick the bills they paid.
How it works →Debt payoff
When a debt is paid off, its payment gets a decision
How it works →Goals
Save ahead for the big ones, so they stop being emergencies
How it works →Subscriptions
What you're signed up for, what it costs a year, when to cancel
How it works →The two of you
One plan, two adults, and no more "did you pay the water?"
How it works →Getting started
Ten minutes to a real plan.
Describe your money
Type your bills, paychecks and debts the way you’d say them — or paste a list, or forward a bill. Rough is fine.
Put it where you’ll see it
Due dates and paydays on your calendar, a nudge on your phone the night before a bill, your partner invited.
Each payday, tick and decide
Tick what’s paid (or let autopay and your bank tick themselves). When something changes, decide on purpose.
Guides
Smart, short how-tos for the household money stuff.
Paychecks, debt, sinking funds, subscriptions, and how two people share one plan without fighting about it.
Plan the month by paycheck, not by calendar
Your bills run on the calendar but your money arrives on paydays. Line them up by paycheck and the tight weeks stop being a surprise.
PaychecksWhat "free to spend" should actually mean
Your balance isn't your spending money. Here's how to work out the number that is, paycheck by paycheck, and what to do when it comes out small.
Getting startedSet up your whole household budget in ten minutes, by typing
Most budgets die during setup, somewhere around the fortieth form field. Here's how to get a working household plan down in plain sentences instead.
Questions
Fair questions.
Does it connect to my bank?
Only if you want it to. Payday Plan works fine without a bank connection — you tick bills as they’re paid, or let autopay bills tick themselves. If you’d like charges to tick bills automatically, you can connect read-only through SimpleFIN Bridge, a separate service that costs about $15 a year. Payday Plan never sees your bank password and can’t move money.
Is this AI?
Not by default. The thing that reads your sentences is a built-in reader that runs on our server with plain rules. Photos and PDFs of bills need something that can see, so if Claude (by Anthropic) is switched on for Payday Plan, it reads those — and sentences the built-in reader can’t place. Every review tells you which one did the reading.
Is it for one person or two?
Built for two adults sharing one plan, and perfectly happy with one. Each tick shows who did it, and the other person gets a single notification for a burst of changes.
Do I need a particular bank?
No. It works with any bank. If yours organizes money into pockets or buckets (like Crew), Payday Plan mirrors them and prints a setup sheet so the two stay in step.
What does it cost?
Payday Plan is opening to households a few at a time while we shape it. Ask for a spot and we’ll tell you where things stand.
Can I get my data out?
Any time, as one file. And if you want your household deleted, email hello@paydayplan.app.
Your next payday could come with a plan.
Payday Plan is opening to households a few at a time. Ask for a spot, or sign in if you’re already in.