A U.S. paycheck cash-flow planner

A paycheck budgeting app for safer spending before your next payday

Payday Compass turns the question “How much can I spend before I get paid again?” into a practical plan—after bills, planned savings and a buffer are set aside.

See how it works Read the privacy policy

Payday Compass weekly and monthly spending insights with daily spending bars and category breakdown

Availability: A public Google Play listing is not live yet, so this page does not include a download button. It will be added once the app has a public store listing.

Many budgeting apps focus on monthly totals. Payday Compass focuses on the days between paychecks: it helps you account for bills that are due soon, savings you have already planned, and the cash you want to keep untouched.

What you can check in a few seconds

Payday Leftover

Start with the cash balance you track in the app. Subtract bills due before the next payday, planned savings contributions and your protected buffer to estimate what remains available. It is a planning number—not a live bank balance.

Daily spending pace

Compare your recent seven-day average with the approximate daily amount available through the next payday. A clear pace makes it easier to notice when spending is running ahead of the plan.

Daily, weekly and monthly insights

See total spending, the change from a comparable period, daily average, top category, category shares and daily bars. The chart is there to answer “Where did the money go?” without burying the key payday number.

Bills, goals and receipts

Plan recurring bills and a per-paycheck savings contribution. Receipt scanning can suggest a merchant and total on your device; review and edit the result before saving.

Payday Compass plan showing cash available after upcoming bills and savings goals — Check what remains after setting aside upcoming bills and planned savings.

Payday Compass spending insights chart with daily bars and category breakdown — Review daily, weekly and monthly spending trends before the next payday.

Useful for the days between paychecks

Payday Compass is designed for people who want a quick check before an everyday purchase, not another complicated financial dashboard. Add or import transactions, check the spending chart, and see how upcoming bills or a savings goal affect the remaining plan.

The CFPB’s budgeting guidance also recommends tracking spending and when bills are due, because the timing of income and expenses can make a monthly budget feel tight even when the totals appear workable. Payday Compass applies that cash-flow perspective to the next payday.

Import transactions without linking a bank account

There is no bank login or automatic bank connection. You can record spending yourself or import a supported U.S. bank CSV. The app flags likely duplicate transactions and suggests editable categories; imported activity updates spending history and pace, but does not change the tracked cash balance automatically.

What Payday Compass does not do

It does not connect to your bank, move money, pay bills or promise that a planned balance matches your actual account.
It does not replace a bank statement, a complete tax plan or personalized financial advice.
It does not create a cloud backup automatically. You can export a backup and restore it yourself.

Private records, with one important advertising note

Your paycheck plan, bills, expenses, goals and check-ins are stored on your device. The app does not require an account or operate a bank-sync server. Google Mobile Ads and its consent flow are separate from those records; see the privacy policy for details.

Frequently asked questions

Does Payday Compass connect to my bank?

No. It has no bank connection or account sign-in. You can enter spending in the app or import a supported bank CSV; suggested categories can be reviewed and edited.

How does Payday Leftover work?

It starts with the cash balance you track in the app and subtracts your protected buffer, bills due before the next payday and planned savings contributions. It is a planning estimate, not a bank balance.

Can I see spending trends?

Yes. Spending insights include today, this week and this month, with comparable-period changes, daily averages, category shares and daily spending bars.

Is Payday Compass available on Google Play now?

A public Google Play listing is not available yet. This page will add a store link when a public listing is live.