Payd plans your money around the way you're actually paid — and keeps every bill, balance, and goal on your phone. No server. No account. Nothing to breach.
Free to start · Pro from $19.99/yr with a 3-day free trial
Built around pay periods — weekly, biweekly, semi-monthly, or monthly — because that's how your money actually arrives.
One number that matters: what's left after every bill and goal between now and your next paycheck is covered.
Every bill mapped to the paycheck that pays it, with on-device reminders and a checklist that resets each payday.
Upload a bank statement once and Payd detects your recurring bills — parsed entirely on your phone, never transmitted.
Track holdings and net worth. Pre-fill positions from a brokerage screenshot using on-device text recognition — the image never leaves your phone.
Set goals, schedule contributions per paycheck, and watch your emergency fund grow on a timeline you control.
Project growth with your own assumptions — or opt in to base returns on your holdings' actual 5-year performance.
See your balance projected across upcoming pay periods, so a tight week never sneaks up on you.
Share a budget snapshot with your partner through any app you already trust — Messages, AirDrop, email. No server in the middle.
A true-black theme that's easy on your eyes and your battery, plus home screen widgets for your safe-to-spend at a glance.
A stock ticker symbol (like "AAPL") — only if you add a holding, only to fetch a price.
An anonymous purchase event — only if you subscribe, sent to RevenueCat with a random ID. Never your name, email, or data.
Nothing else. Bills, balances, goals, statements, screenshots, and notifications never touch the network.
Bank-linked apps ask you to trust their policies. Payd's privacy is a matter of architecture — there's nothing to leak.
| Typical bank-linked app | Payd | |
|---|---|---|
| Requires bank login | Yes, via an aggregator | No |
| Stores your data on a server | Yes | No server exists |
| A data breach exposes | Aggregator + app database | Nothing — no database exists |
| Works with no internet | No | Yes, entirely |
| Analytics & tracking SDKs | Usually several | None — planned ads disclosed first |
Free calculators built from Payd's in-app features. No signup — and true to form, they run entirely in your browser.
What can you spend before payday without shorting a bill?
Paid biweekly? Find the two months a year with an extra check.
Project compound growth with monthly contributions.
Your target — and the date you'll hit it at your pace.
Avalanche vs snowball, and your debt-free date.
Start free. Upgrade to Pro when you want everything — every plan starts with a 3-day free trial.
Free forever tier included — core paycheck planning and bill tracking, no trial required.
Download Payd and know what's safe to spend before your next payday.