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Beyond Payday icon

Beyond Payday

Beyond Payday is a household money and retirement planner for US families. You enter your income, bills, debts, and savings yourself — it never connects to your bank — and it shows what is left each month, your net worth, and whether your retirement plan works.

Dashboard: what's left each month and net worth (sample household)

Cost / License

  • Freemium (Subscription)
  • Proprietary

Application type

Platforms

  • Online
  • Software as a Service (SaaS)
Bills: needs vs. wants, entered by hand, no bank sync (sample household)
Debt payoff: avalanche vs. snowball (sample household)
+1
Retirement: year-by-year projection with Social Security (sample household)
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Features

Properties

  1.  Privacy focused

Features

  1.  Goal Tracking
  2.  Dark Mode
  3.  Cloud Sync
  4.  Import CSV Data
  5.  Cash Flow Analysis
  6.  Ad-free
  7.  Financial Planning

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What is Beyond Payday?

Beyond Payday is a household money and retirement planner for US families. You enter your income, bills, debts, and savings yourself — it never connects to your bank — and it shows what is left each month, your net worth, and whether your retirement plan works.

It is built for the whole household: a spouse or partner can share the account, and children can be given limited access. Pro adds year-by-year retirement projections with Social Security and pensions, side-business tracking, and an AI assistant that answers questions about your own numbers.

Other features include a debt payoff planner (avalanche vs. snowball), what-if scenarios, an emergency "SHTF" plan that shows how long your money would last if income stops, spreadsheet import, a ChatGPT/Claude connector, and nine free calculators.

The free plan has no time limit. Pro is $9/month or $90/year, with a 30-day free Pro trial and no credit card required. Self-funded, no ads, no data sales. US only.