Until Payday: Money Planner

How much can you spend before payday?

Until Payday turns the income, expenses and bills you record into a clear daily spending guide. See your remaining income, account for upcoming bills, and leave room for a protected reserve—all in one place.

KNOW YOUR DAILY SPENDING ROOM See a daily guide based on your current pay cycle, the income you've recorded, your expenses, unpaid bills due before payday and your chosen reserve. Your guide updates as your records change.

KEEP BILLS IN THE PICTURE Organize upcoming bills by due date, amount, category and more. Set weekly, monthly, quarterly or yearly recurrence. Mark a bill paid and optionally add its payment to Activity so your spending records stay connected.

SEE WHERE YOUR MONEY GOES Record income and expenses with categories, dates, times and notes. Browse Activity by date or search for a transaction. See your spending mix and which categories account for the most spending this cycle.

MAKE ROOM FOR WHAT MATTERS Choose a protected reserve to exclude from the daily spending calculation. Track today's spending against your guide and see your remaining breathing room.

UNDERSTAND YOUR PAY CYCLE Get calculated insights into recorded income, spending, upcoming bills and your pace toward payday. On supported devices with Apple Intelligence available, generate an optional on-device AI perspective on your cash flow.

YOUR DATA, YOUR ICLOUD Records are saved locally and sync through your own iCloud account when available. Keep recording offline. No bank connection or separate Until Payday account is required.

SET IT UP YOUR WAY Choose your monthly payday from days 1–28, select a display currency, and choose whether to show decimal amounts. Currency selection changes formatting; it does not convert amounts using exchange rates.

Until Payday is a planning tool based on the information you enter. It does not move money, reserve funds in a bank account or make bill payments. Expected income becomes available in the calculation only after you record it as received. The daily guide is an estimate, not a guarantee of affordability.

Requires iOS 16 or later. Optional on-device AI requires iOS 26 or later, compatible Apple Intelligence hardware and an available system model. Calculated insights remain available without AI. iCloud sync requires an available iCloud account and connectivity to synchronize.

Privacy Policy: http://kodencodelab.com/policies/until-payday-privacy-policy.html

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