See your cushion, your daily spend, and every bill tied to the right paycheck. No bank connection needed.
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
$4.99/month
or $39.99/year · 21-day free trial
“I finally know exactly what I can spend after bills. No more overdrafts.”
Maya T.
Nurse
“The daily spend number changed how I think about money between paychecks.”
James R.
Teacher
“I set up savings buckets and actually hit my goal for the first time.”
Priya K.
Administrator
PayAnchor is a paycheck first budgeting app that shows workers paid on any schedule exactly what is left after every bill — their cushion — and how much is safe to spend each day until next payday. You enter your take-home pay and your bills. No bank connection needed.
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. You enter your pay and bills yourself. PayAnchor never asks for your bank login. Your information stays private.
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 $4.99 a month or $39.99 a year. You get a 21-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 and only you can access it. We never sell your information or share it with anyone.
Nothing gets deleted. If you have more than the free plan allows, your extra bills get paused until you upgrade again.
PayAnchor works on iPhone, Android, and desktop. You can add it to your home screen and use it like an app. A dedicated mobile app is coming.