How many do you get?
A year doesn't divide evenly into months, so some months hand you an extra check. Most years, that looks like this.
Paid every two weeks: 26 paychecks, not 24.
Paid every week: 52 paychecks, so four months have a fifth.
Find yours
Pick your schedule and next payday to see where your bonus paychecks land over the next 12 months.
What's in the app
Find your bonus paychecks, then use the built-in tools for the everyday money math.
Bonus paychecks
Finds the months you get a third paycheck (or a fifth, if you're paid weekly), counts down to the next one, and helps you plan what to do with it.
Debt payoff
Add your cards and loans and compare snowball and avalanche: your debt-free date, total interest, and the order to pay them off.
Split expenses
For a trip or a meal, add up to 10 people and what each one paid. It splits the total evenly and shows who pays whom.
Hourly pay calculator
Enter your rate and hours to see your weekly pay before taxes, with overtime at 1.5x, 2x, or a custom rate, plus a yearly estimate.
Tip calculator
Pick 15, 18, 20, or 25 percent, or your own, and see the tip, the total, and what each person owes.
Discount calculator
Enter a price and the percent off to see what you'll pay and how much you save.
Currency converter
Convert between over 160 currencies, starting with US dollars, using rates updated daily.
Pricing
Plan paychecks, up to 7 bills, and spending up to 3 months ahead, and look back over the last 3 months.
That's about $5.00 a month on the 6-month plan and $4.17 a month yearly. Try it free for 7 days.
Plan up to 3 years ahead and look back a full year, with unlimited bills, your own spending categories, bonus paycheck planning, reminders, and a second income source.
Questions and answers
The short version of how BudgetWatch works.
What is a bonus paycheck?
If you're paid every two weeks, you get 26 paychecks a year, not 24, so two months a year bring a third paycheck. If you're paid weekly, you get 52, so four months bring a fifth. Your bills don't grow in those months, so that extra check is free to plan. BudgetWatch finds those months for you and counts down to the next one.
Which pay schedules does BudgetWatch support?
Weekly and every two weeks (bi-weekly). Those are the schedules that produce bonus paychecks, so the app is built around them. Twice-a-month and monthly pay are not supported right now.
My pay changes every check. Can I still use it?
Yes. Choose variable pay and log what you actually get each payday, including checks outside your normal schedule. Upcoming paychecks are estimated from the average of your last 6, and they're clearly marked as estimates. Until you've logged some, the estimate comes from your typical check or your hourly rate and hours.
How does budgeting by paycheck work?
Each paycheck covers the bills due before your next one, so you always know what's left after bills from the check in front of you. You can move a bill to a different paycheck if that works better for you. Bills that come every few months, like car insurance, show up at their full amount in the paycheck they're due.
Does BudgetWatch connect to my bank?
No. You enter your pay, bills, and spending yourself, and logging spending takes two taps. We never ask for your bank login.
What's free, and what does Pro cost?
The free plan lets you plan up to 3 months ahead, track up to 7 bills, and look back over the last 3 months. Pro is $6.99 a month, $29.99 for 6 months, or $49.99 a year, and adds 3 years of planning, a year of history, unlimited bills, your own spending categories, bonus paycheck planning, reminders, and a second income. Every Pro plan starts with a 7-day free trial if you haven't had one. After the trial, you're charged the price of the plan you chose unless you cancel at least 24 hours before it ends.
How do I cancel Pro?
Subscriptions go through Apple. On your iPhone, open Settings, tap your name, then Subscriptions, and choose BudgetWatch. Deleting the app or your account doesn't cancel the subscription. If Pro ends, you keep everything you've entered; you just can't add more than the free plan allows.
Is my data private?
We don't sell your information or use it for advertising. Your data is encrypted in transit and at rest, and each account can only reach its own records. You can delete your account and everything in it from Settings at any time.
When can I get it, and is there an Android version?
BudgetWatch is coming soon to iPhone. We're starting with iPhone only; Android may come later.
Still have a question? Email support@budgetwatch.com.
Every paycheck, planned
Coming soon to iPhone.