Know what's left. Plan what's next.

Household money and retirement planning, without the transaction busywork.

See what's left each month after bills and taxes, track your net worth, and plan your way out of debt and toward retirement. No bank connection: you enter the numbers, Beyond Payday does the math.

Beyond Payday is a budget planner, bill tracker, net worth tracker, and retirement planner for US households, in one app. It plans your budget; it doesn't track your spending. Instead of importing and sorting every purchase, you add the big numbers (income, recurring bills, savings, and debts) and refresh them at a monthly check-in. One clear picture of where your money goes and where it's headed.

Everyday money
• Income and take-home pay, including W-2, 1099, and side hustle income
• Bills with a due-date calendar and optional bill and payday reminders
• What's left each month after bills and taxes
• Cash flow: spot projected gaps between scheduled income and bills
• Save money: find bills you could cut or pay less for, with practical tips

Debt and goals
• Debt payoff planner with avalanche and snowball methods, extra payments, and a projected debt-free date
• Savings goals, such as a down payment or emergency fund, and debt goals with on-track status
• Net worth: assets minus debts, with history over time

Plan ahead
• Scenario Tester: see how buying a house or car, or a new job, would change your numbers
• Retirement: year-by-year projection to age 95 with Social Security claiming ages, pensions, 401(k) and IRA accounts, taxes, and withdrawals, including early retirement (FIRE) and households that are already retired
• Side business tracking: revenue, expenses, and profit alongside your household
• An AI assistant that answers questions using the numbers you've entered

Built for couples and families
• Invite your spouse or partner and family members, and set what each person can view or change
• Guided forms, or a spreadsheet view for bills, assets, and debts with copy, paste, and undo
• Import bills, assets, and debts from CSV or Excel files
• Export your data at any time

Private by design
• No bank connection and no bank passwords, ever
• No ads, no ad tracking in the app, and we don't sell your data
• Optional fingerprint lock

Plans
Beyond Payday is free to download. The Free plan includes income, bills, net worth, goals, debt payoff, scenarios, and household sharing. Retirement planning, business tracking, and the AI assistant are part of Beyond Payday Pro, an optional paid plan purchased on the Beyond Payday website. Eligible new accounts start with 30 days of Pro, no credit card required.

Beyond Payday is available in the United States. Retirement and take-home pay figures use US rules.

Figures are estimates based on what you enter. Beyond Payday provides information and education only, not financial, tax, investment, or legal advice. AI answers can be wrong, so check important numbers, and consider a qualified professional before major decisions.