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.
A subscription purchase — only if you buy one, and handled by Apple or Google themselves through your phone's own purchase system. No billing company in between, no account, and no ID created for you.
Nothing else. Bills, balances, goals, statements, screenshots, and notifications never touch the network. The only data that ever leaves is what you send yourself — a Partner Sync snapshot or a backup file, handed to the app you pick.
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.