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Budgeting for the way you are paid

A budget that follows your paychecks, not the calendar.

Stop trying to stretch your money to the 1st of the month. Set your exact payday cycles—whether weekly, twice a month, or every other week—and track your cash flow seamlessly with a clean, privacy-first ledger.

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Budget periods

Which rhythm matches your income?

Your budget can follow the dates your household actually gets paid instead of pretending every paycheck arrives on the first.

WeeklyEvery week, on the day you are paid.
Every other weekEvery other Friday, or your own weekday.
Twice a monthTwice a month, on the days that fit.
MonthlyA monthly cycle that starts on your date.
The Budgetpoint budget page for one period: income, allocated and left to assign across the top, then each category with the amount allocated, its activity and what is still available.The Budgetpoint budget page for one period: income, allocated and left to assign across the top, then each category with the amount allocated, its activity and what is still available.
One budget period. Allocated, activity and available, category by category, with anything you have not assigned yet at the top.

The proof underneath

Payday timing. Ledger accuracy.

A paycheck-period budget is only useful if the numbers can be trusted. The register is where that trust lives: one row per transaction, a balance that reads straight down the page, and whole cents from entry to storage.

Tab across a row, type ahead on payees and categories, and create either one as you go. You never have to leave the register to set something up first.

  • Manual entry. You type each transaction yourself, with no bank connection between you and your books.
  • Transfers. Move money between two of your own accounts and both sides stay honest.
  • Nested categories. Type Food: Groceries and the hierarchy is made for you.
  • Your own order. Drag same-day rows so the running balance reads the way the day actually went.
The Budgetpoint transaction register for a checking account: dated rows with payee, category, memo, amount and status, and a running balance column down the right.The Budgetpoint transaction register for a checking account: dated rows with payee, category, memo, amount and status, and a running balance column down the right.
The register. One row per transaction, and a running balance down the right so you can see where the account stood on any given day.

The forecast

See the dip before you are standing in it

The forecast projects your balances forward from the recurring transactions and scheduled bills you have already entered. The insurance renewal, the quarterly water bill, the thing that lands on the fourteenth every month.

You get to look at the low point three weeks out while there is still time to move something. It is a much better conversation to have on a Sunday than on the day the payment bounces.

The Budgetpoint forecast page: a projected balance line running forward from today, with the lowest point highlighted and upcoming scheduled items listed below it.The Budgetpoint forecast page: a projected balance line running forward from today, with the lowest point highlighted and upcoming scheduled items listed below it.
Projected balances. Built from the recurring transactions and scheduled bills already in your household, and re-shaped the moment you change one.

budgetpoint on your iPhone. Now what is stopping you from managing your budget on the go?

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Privacy

No bank to connect. Nothing to sell.

You type your transactions, so there is no bank connection and no third party holding your credentials. No tracking cookies, no ad networks, nothing following you off this page. We do not build a picture of you, and we do not sell one.

There is no free tier, because there is no other way this is paid for. Your subscription is the whole business model.

One household, one live plan

The paycheck has one plan. Everyone sees it.

One of you should not have to translate the budget for the other. When the pay period changes, everyone in the household sees the same categories, allocations, activity and available amounts.

The household owns the accounts, transactions and budget. Send an invite link and the other person joins the same books with the same access — no viewer role, no second copy and nothing to keep in sync.

One household, the same access
What it coversThe person who set it upThe person they invited
The current budget periodFullFull
Every account and balanceFullFull
Every transaction, past and newFullFull
Categories and allocationsFullFull
Forecast and reportsFullFull
Inviting the next personFullFull

Same payday. Same budget period. Same numbers. Both people can make the next decision from the same place.

Start on the next payday

Give this paycheck a plan before it disappears.

Create your register, choose the rhythm that matches your life, and invite the person who shares the decisions.

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