Bills By Paycheck
Know exactly which paycheck covers every bill.
Most budget apps organize your money by month. Bills By Paycheck organizes it the way you actually live — paycheck to paycheck — so you always know what's due, what's handled, and what's left over.
No account. No bank linking. Everything free — one purchase removes ads.
Built around your paychecks, not the calendar.
Every payday gets its own bucket. Every bill lands under the check that covers it.
Plan around your paychecks
Any pay schedule — weekly, biweekly, semimonthly, monthly — with multiple income sources. Bills sort automatically under the paycheck that pays them.
Stay on top of every bill
Add bills fast with a built-in catalog of well-known billers — names, sites, and logos auto-fill. Mark paid, hide what's done, jump to pay.
Save and set goals
Automatic Savings sets aside a percentage of every paycheck. Savings Goals track your progress toward an emergency fund, a trip, a car.
Pay down debt on purpose
The Debt Payoff Calculator shows exactly when each balance hits zero with avalanche or snowball, plus a month-by-month timeline.
See the whole picture
Bill, expense, savings, and debt reports with clean charts. Print or export a monthly checklist, a per-paycheck breakdown, or CSV.
Widgets, sync, and lock
Home Screen widgets, iCloud sync across devices, and Face ID / Touch ID / passcode lock keep it current and private.
A closer look
Swipe through the dashboard, credit cards, debt payoff, savings, and settings.
Dashboard
Credit Cards
Debt Payoff
Settings
Savings Goals
Printable Reports
Spending by Category
Share with Partner
Expense Report
Monthly Summary
Looks right, day or night.
Bills By Paycheck follows your system appearance automatically — a crisp, airy light mode for daytime planning, and a true dark mode for a late-night check on tomorrow's payday.
Your data stays yours.
Bills By Paycheck never connects to your bank. No account linking, no credentials, no third-party data aggregators — just your plan, stored in your own iCloud.
Read the full privacy policy →No bank linking
You type your own numbers in.
Stored in your iCloud
We never see your plan.
Read-only sharing
Your partner sees, you control.
Face ID lock
Keeps your finances private.
Questions, answered
Is it really free?
Every feature is free, including reports, widgets, savings goals, and the debt payoff calculator. A single one-time purchase removes ads — no subscriptions, ever.
Does it connect to my bank?
No. There's no account linking and no third-party data aggregators. You enter your paychecks and bills yourself, and your plan is stored in your own iCloud.
What if I have more than one paycheck?
Set up any number of income sources on any schedule. You can also split a large bill across two paychecks, or carry a surplus forward to cover something bigger later.
Can my partner see our bills too?
Yes — share with a partner and they'll see your bills and paychecks in real time on their own device. Access is read-only, so your data stays in your control.
What happens if I get a new phone?
iCloud sync keeps every device up to date automatically. You can also do a one-tap backup and restore any time, with optional reminders so you never forget.
See next payday clearly.
Free to try, free to keep. Available now on iPhone.
Download on the App Store
Bills By Paycheck © 2026 Jason Jaegers