A budgeting app · coming soon
Budget one paycheck
at a time.
A calm, beginner-friendly planner for people paid every two weeks. Give every dollar a job, see what's due before your next payday, and finally feel ahead.
Why paycheck by paycheck
Monthly budgets pretend all your money lands on the 1st.
If you're paid every two weeks, your money arrives in pieces, and your bills don't wait. That's why a budget can look fine on paper and you still run short before payday.
A monthly budget
One big number for the month, and a scramble the week before payday.
Paycheck to Plan
Each paycheck covers what's due before the next one. Plan two weeks at a time, then do it again.
What's inside
Everything I wished my budget did.
Bills fill themselves in
Add your bills and due dates once. Every paycheck shows only what's due in those two weeks.
Split big bills like rent
Set aside part of rent each paycheck so no single payday takes the whole hit.
Spot your bonus paychecks
Paid every two weeks? Two months a year have three paydays. The app flags them and helps you use them well.
Will I have enough?
A six-week forecast of your bank balance that warns you before you'd go below $0.
Debt payoff that motivates
See your debt-free date and how much interest an extra payment saves you.
Savings, investing & net worth
Buffer accounts, goals with target dates, TFSA, FHSA and RRSP, employer match, and your net worth month by month.
Take a look
Calm, clear and made for your phone.
Use it in your browser or add it to your home screen like an app. Screens show example data.
Why I built it
Hi, I'm Sydney.
I got serious about money in September 2025. At the start of this year my net worth was negative and I had about $20K of debt. Planning one paycheck at a time is what finally made it click, but no app worked the way I needed. So I built my own, with AI.
“You don't need a perfect month. You need a plan for the next two weeks.”
Sydney ♡Follow the journey on YouTube @sydneystephen and Instagram @sydneystephen.finance.
How it works
Five minutes every payday.
Set it up once
Add your pay, your paydays and your bills. Everything else starts at $0 for you to fill in.
Plan each paycheck
On payday, see what's due before the next one and give every dollar a job until $0 is left.
Watch it add up
Log spending as you go, tick off bills, and see your savings, debt and net worth move.
Questions
Good to know.
When does it launch?
I'm testing it with a small group now. The waitlist hears first, before anyone else, as soon as it's ready.
How much will it cost?
It's planned as a one-time purchase, not a subscription. Waitlist members will be the first to hear the price.
Is my money information private?
Yes. Your budget is saved on your own device, and I never see your numbers. Joining the waitlist only shares your email with me.
Does it connect to my bank?
No login to your bank needed. You can type things in, tick them off, or import the CSV file your bank lets you download.
I'm a total beginner. Is this for me?
That's exactly who it's for. There's a short quiz and beginner guides to show you where to start, and nothing is assumed.
I'm not paid every two weeks.
It also works if you're paid weekly, twice a month or monthly, and there's an option for pay that changes, like hourly or tips.
Be first in line