See your cushion, your daily spend, and every bill tied to the right paycheck. Connect a bank for automatic balance updates, or keep entering your balance yourself.
YOUR CUSHION
$545
What's left after bills this paycheck
$2,595
$39
Your cushion, daily spend, and bills for each paycheck. You get this same clear picture once you are set up.
YOUR CUSHION
$545
What's left after bills this paycheck
$2,595
$39
Set your net pay and see how your bills stack up and what's left over.
$2,500
Tell us how much you take home and how often you get paid.
Add your rent, phone, subscriptions and any bill you pay. We match each one to the right paycheck.
Your cushion is what's left after bills. You also see how much is safe to spend each day until your next paycheck.
$0/month
$7.99/month
or $79.99/year · Save 17% · 14-day free trial
PayAnchor is a paycheck-first budgeting app that shows workers on any schedule their cushion after bills and how much is safe to spend each day until next payday. You enter your take-home pay and your bills. Connecting a bank is optional if you want automatic balance updates.
Simple. Take-home pay minus your bills equals your cushion. Every bill is matched to the paycheck it comes out of. So your cushion always shows what you actually have right now.
No. PayAnchor works if you enter your pay, bills, and checking balance yourself. You can also connect a bank through Plaid so Safe to Spend updates from your checking balance. Plaid handles the bank login. We never store your bank password. You can disconnect anytime.
PayAnchor works with weekly, biweekly, semi-monthly, or monthly pay schedules. However you get paid, PayAnchor works around your actual pay dates.
Yes. The free plan covers up to 10 bills, one income source, and one savings bucket. Pro is $7.99 a month or $79.99 a year. You get a 14-day free trial with no credit card needed.
PayAnchor is for anyone who gets paid on a schedule and wants to know what is safe to spend before the next paycheck. Nurses, teachers, drivers, retail workers. If you live paycheck to paycheck, PayAnchor is for you.
Most budgeting apps work by the month. PayAnchor works by paycheck. Every bill is matched to the paycheck it comes out of. So your numbers always match how money actually moves in your life.
Yes. Your data is encrypted. We never sell your information. If you connect a bank, Plaid handles the login and we receive account names, types, and balances for Safe to Spend — not your bank password.
Nothing gets deleted. If you have more than the free plan allows, your extra bills get paused until you upgrade again.
Yes! PayAnchor is available on the App Store for iPhone and Google Play for Android. Download on the App Store or Get it on Google Play. You can also visit payanchor.app on any device.