Payday-by-payday budgeting that actually tells you what's safe to spend
Automates bills, tracks spending by pay period, and protects your balance with smart thresholds.
Built around real pay periods—not monthly guesswork.
Clear 'Available to Spend' on every payday.
Smart planning for bills, goals, and debt payoff.
Core Features
Everything you need to budget by pay period and stay in control
Payday-by-Payday Plan
See your entire budget organized by actual pay periods, not arbitrary months. Know exactly what you can spend until your next payday.
Bills & Due Dates
Bills automatically assign to the right payday based on due dates. No more guessing which paycheck covers what.
AI-Powered Insights
Smart recommendations for allocating windfalls, optimizing bill splits, and making purchase decisions. AI analyzes your spending patterns and suggests improvements.
Threshold Protection
Prevents you from going below your safety buffer. Smart planning view shows warnings before you overspend.
Goals & Purchase Advisor
Plans savings by payday and tells you if you can afford a purchase. Get timeline estimates for any savings goal.
Debt Snowball Tracker
Shows debt-free date and acceleration insights. Watch extra payments roll into your focus debt automatically.
Why We're Better
Built for how people actually get paid—not outdated monthly budgets
How It Works
Three simple steps to take control of your finances
Add paydays + bills
Set up your income sources and recurring bills. Takes just a few minutes to get started.
Let AI optimize your plan
Get smart recommendations for allocating funds, splitting bills, and making purchase decisions based on your financial patterns.
Follow the payday plan
Use the smart suggestions to adjust spending, plan purchases, and stay on track every payday.
Simple, Transparent Pricing
Try all features free for 30 days. Choose your plan after the trial.
Monthly
Most flexible
- All core features
- Unlimited pay periods
- AI-powered recommendations
- Debt snowball tracker
- Goals & purchase advisor
- Cancel anytime
Yearly
Best value
- All core features
- Unlimited pay periods
- AI-powered recommendations
- Debt snowball tracker
- Goals & purchase advisor
- Priority support
No credit card required to start trial
Trial converts to selected plan unless canceled before day 30
Frequently Asked Questions
Everything you need to know about Payday Harbor
Instead of traditional monthly budgets, we organize your finances around your actual pay periods. This means you always know exactly what you can spend until your next payday, making it easier to avoid overdrafts and stay on track.
Know exactly what you can spend—every payday.
Join thousands who budget smarter with pay period planning. Start your free trial today.
No credit card required. Cancel anytime.