Paykeep: Budget by Paycheck

Paykeep gives you two numbers that matter: what is safe to spend this month, and what is still to come out of your accounts. Both are calculated from your real pay stubs, not a hopeful guess.

Tap in each pay stub as it arrives. Paykeep averages what your months really paid and helps you budget off a steady share of that, say 70%. It deliberately expects less than your average, so a surprise can only ever be a good one. A steady salary gets the same honest plan, and pay that moves around, overtime, tips, shift differentials, invoices, is exactly what the math was built for.

Your month runs payday to payday, and every bill knows its day. At any moment you can see what has already gone out, what is still to come, and what that leaves you.

WHAT IT DOES
- One steady number to live on: everything above it is a bonus
- Always know what has come out this month, and what is still to pay
- Months run payday to payday, so the bills reset the day you are paid
- Optional weekend and federal holiday rule: pay that is due on a Saturday arrives the working day before, and bills leave the working day after, the way your bank really moves money
- Pay stubs pre-fill from the last one: entry is a check, not a chore
- Variable bills like groceries and electricity learn from what they actually cost
- Bills sit on the accounts they leave from, and a shared joint account is tracked without touching your own totals
- Group yearly expenses like taxes, insurance, and car maintenance into one savings pot with one monthly amount, and the pot pays each bill when it lands
- Savings pots and loans on honest bars: the goal, the plan, and the truth
- A plain-words summary that reads your month back to you

SET UP ONCE
Ten or fifteen minutes, one sitting: your last few pay stubs, the bills, any loans, your savings. After that, about two minutes a month.

PRIVATE BY DESIGN
No account, no server, no analytics. Your numbers stay on this phone and nowhere else. Paykeep cannot see your pay. Not even Google's automatic app backup: Paykeep opts out of it, so the only copy that leaves is the one you make yourself.

BACK IT UP YOURSELF
One tap copies everything to a folder in your own Google Drive, and one tap brings it back on a new phone. Paykeep can only see the files it put there, never the rest of your Drive.

A MONTH FREE
Every plan starts with a month free: time to add as many pay stubs as you like, old ones included, and live with the prediction. After the trial, Paykeep Pro keeps the app working for 2.99 a month or 24.99 a year, cancel anytime. Without Pro everything you entered stays safely visible, read-only.

Paykeep is a planning tool, not financial advice. Every number is an estimate built from your own pay stubs.

Privacy: https://brambleapps.com/paykeep/privacy-policy.html