Each paycheck covers what's due before the next
See which bills every check pays and what's left after. Move a bill to a different paycheck if that works better.
01 / The idea
A year isn't 24 paychecks.
Months don't divide evenly into two-week stretches, so a few months hand you an extra check. Your rent doesn't go up those months, which makes that check yours to plan.
2bonus paychecks a year
When you're paid every two weeks.
4bonus paychecks a year
When you're paid every week.
02 / Find yours
When do yours land?
Pick your schedule and next payday. We'll map the next 12 months and light up the ones with a bonus check.
I get paid
03 / Inside the app
A whole budget, by paycheck.
Bonus checks are the headline. The rest is what you'll open the app for every week.
Bills that repeat themselves
Enter them once. Every 6 months or one-time works too, always at the full amount.
Spending in two taps
Type the amount, pick Food or Other. Done.
The month at a glance
Paydays, due dates and bonus days on one calendar.
Hourly or salary
Pay changes every check? Log what you got. Upcoming checks are estimated from your last 6.
Tools for the everyday money math
Free for everyone: split a trip, plan your debt payoff with snowball or avalanche, and work out pay, tips, discounts and currency.
04 / Pricing
Free to plan. Pro to go further.
FREE
$0
Everything you need to budget the next few paychecks.
- Plan paychecks up to 3 months ahead
- Look back over the last 3 months
- Up to 7 bills, plus spending
- See every bonus paycheck date
- All the tools, free
7-day free trialPRO
$6.99 /month
Try it free for 7 days, then $6.99 a month. Cancel anytime.
- Plan up to 3 years ahead
- Look back a full year
- Unlimited bills
- Plan and set goals for bonus paychecks
- Your own spending categories
- Reminders and a second income source
05 / Questions
The short version.
How BudgetWatch works, in plain English.
Still have a question? Email support@budgetwatch.com.
01What 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.
02Which 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.
03My 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.
04How 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.
05Does 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.
06What'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.
07How 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.
08Is 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.
09When 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.
Every paycheck, planned.
BudgetWatch is coming soon to iPhone. Until then, find out when your next bonus check lands.
Find your bonus paychecks