Household money and retirement planning.
Without the transaction busywork.
See what’s left each month after recurring bills and taxes, and plan ahead. Enter income, bills, and balances—no bank connections or purchases to categorize.
Free plan · 30 days of Pro · No card · No bank login
Built for US households.
Try it now: when could you retire?
Move the slider and change two numbers. No account needed—it runs in your browser.
When could you retire?
Three numbers, an instant estimate — the same math as our free retirement calculator, simplified.
At this pace, you could retire around
age 63
with roughly $627.2K saved, lasting to age 95.
Assumes a steady 7% average return, $4,000/mo spending in retirement plus a 25% effective tax rate, $1,800/mo Social Security from 67, and money lasting to age 95. An estimate, not advice — your plan uses your real numbers.
Runs in your browser — these numbers never reach our servers.
With Pro, see your retirement year by year.
Cash flow to age 95, including Social Security timing, pensions, taxes, and withdrawals. Your plan also answers:
- How often does my money last? We test your plan against up to 10,000 possible futures—good markets, bad markets, and everything between—and show how often your money lasts. You see it as your Plan Confidence. (Some call this a Monte Carlo simulation.)
- Should I convert to Roth? Plan moves from traditional to Roth accounts in your lower-income years, with the tax counted.
- What will healthcare cost? Plan for coverage before 65, Medicare after, and long-term care, with healthcare prices rising at their own rate.
What are you using today?
See why Beyond Payday could be a better fit for managing your money.
Your finances deserve more than a chat.
Dedicated calculators do the math. Spending money, debt payoff, and projections use built-in calculations—not just an AI-generated answer.
Go deeper on retirement with Pro. Explore Social Security timing, withdrawals, Roth conversions, and market simulations, with month-by-month projections.
Change your AI. Keep your financial picture. Your financial records stay with Beyond Payday when you change the AI service you use elsewhere. Your records aren’t tied to a conversation. Export your data on any plan.
Explore the retirement planner →Same question, two answers
SampleHow much can I spend each month after bills?
A general AI chat
It depends on your income and bills. A common rule of thumb is 50/30/20: about 30% of take-home pay for wants. Share your numbers and I can estimate it.
A rule of thumb, not your numbers.
Beyond Payday
Money left over
$2,350/mo
- Take-home
- $7,200
- Bills
- −$4,850
Calculated from the income and bills you saved.
Your big picture. Less upkeep.
No bank connections to babysit. No reconnecting accounts, waiting for imports, or untangling duplicate transactions. Your picture is built from the numbers you enter—not a changing bank feed.
No transaction cleanup. Skip categorizing every purchase and correcting automatic guesses. Update balances and changed income or bills at your monthly check-in. See what’s left this month and where you stand.
Simple upkeep. Serious planning. Test big purchases and compare debt payoff strategies on Free. With Pro, explore retirement month by month—including Social Security timing, Roth conversions, withdrawals, and market simulations.
You keep your balances up to date; Beyond Payday doesn’t provide a live transaction history.
Try a what-if scenario →Bigger house
vs. your current numbers
$2,000 →$1,260/mo
$4,110 →$4,850/mo
$374,000 →$412,000
The what-if planner is a sandbox. Nothing here touches your saved income, bills, assets or debts.
Plan your money. Skip building the spreadsheet.
Your numbers. Ready-made calculations. See what’s left after bills, your net worth, and your debt payoff options without writing formulas, fixing cell references, or building charts.
One financial picture to keep up to date. Your income, bills, assets, and debts feed the dashboard and planning tools. Update your records without maintaining links between sheets. Use familiar grid entry for bills, assets, and debts.
Go beyond a homemade projection. Test a big purchase or compare extra debt payments on Free. With Pro, explore retirement withdrawals, Social Security timing, Roth conversions, and market simulations—without constructing the model yourself.
Spreadsheets offer more freedom to build custom models. Beyond Payday gives you purpose-built tools; you still update your own numbers.
Try the payoff planner →Pay the highest interest rate first. Minimizes total interest paid.
Debt-free
Apr 2031
Interest
$14,200
Pay the smallest balance first. Quick wins keep you motivated.
Debt-free
Aug 2031
Interest
$16,900
Extra toward debt each month
Balance over time
Adding $250 a month clears the last balance 3 years and 4 months sooner and saves $8,100 in interest.
A few numbers.
A useful first picture.
Start with your regular income and bills, then add what you own and owe to see your net worth (what you'd have if you sold everything and paid off all debts). Your money left over is an estimate for before everyday purchases—not your live bank balance.
Add income, balances, and recurring bills
Start with the numbers you know—not every coffee and grocery run.
Use forms or a familiar grid.
Enter bills, assets, and debts with guided forms or spreadsheet entry, including copy, paste, and undo.
Update the big numbers—not every purchase.
Refresh balances and changed income or bills at your monthly check-in. There’s no imported transaction feed to review or categorize.
What’s left this month?
$4,643
After $4,690 in recurring bills and estimated taxes.
What’s your net worth?
$455,500
$730,000 in assets minus $274,500 in debts.
Who it’s for
For life after payday. And life after paychecks.
Couples and families
Plan together. Invite your household and choose what each person can see or change.
People done tracking every purchase
Enter income, bills, and balances. See what’s left each month without sorting receipts.
People planning to retire
With Pro, see pensions, Social Security timing, and taxes year by year to age 95.
People already retired
With Pro, see how long your savings last as you draw them down.
And plenty more. All on Free.
Useful tools for everyday decisions—and the unexpected.
Save money
Find bills you could cut or pay less for, with practical tips.
Emergency planning (the SHTF plan)
See how your money would hold up if things went wrong, and what you'd do about it.
What-if planner
See how a purchase, move, or new job could change your picture.
Future balance forecast
Spot projected gaps between scheduled income and bills.
Spreadsheet import
Bring bills, assets, and debts over from CSV, TSV, or Excel files.
Shopping browser extension
See a price in working hours and potential retirement growth.
A useful Free plan.
More possibilities with Pro.
- Income, bills, debts, assets, and net worth
- Cash flow forecast, debt payoff, goals, and what-if scenarios
- Bill savings finder and emergency planning
- Spreadsheet import, bulk editing, and full data export
- Browser extension and a connector for Claude or ChatGPT
- Bill, payday, and review email reminders
- Partner and family sharing with per-member permissions
- Money lessons for every age, plus Kid Mode for kids
or $90/year (2 months free)
Everything in Free, plus:
- Retirement projections, pensions, and Social Security
- Business finances alongside your household
- Beth, an AI assistant that uses your numbers
- Unlimited AI paystub scans (Free includes 3)
Try Pro for 30 days. No credit card required.
Eligible new accounts get one free trial. No automatic charge—keep Free unless you add a payment method and choose a paid Pro subscription.
No credit card required.
You stay in control.
No bank logins
You enter the numbers. There’s no bank connection asking for your credentials.
Choose who sees what
Invite your household and set what each member can view or change.
Take your data with you
Export your household data on any plan. Account owners can delete the account.
We see your account, not your numbers. Hands-on help needs your approval, and it expires.
How we protect your data →Your whole picture, on whatever you’re holding.
Use Beyond Payday in your browser on your phone, tablet, or computer. You can also install it like an app—your account works across devices.
How to install it →Free money lessons for every age
Short lessons with a story, a game, a quick quiz and a certificate at the end. For kids, teens and grown-ups, with no account needed to play.
- KidsAges 5–13Coins, jars, saving up and spotting tricks.
- TeensAges 14–18Paychecks, taxes, credit and a first budget.
- Grown-ups18 and upBenefits, credit, investing and retirement.
Beyond PaydayBefore you get started.
What do I need to get started?
Start with your income and recurring bills to see what’s left each month. Add account balances, other assets, and debts for a fuller picture of your net worth.
What happens after the free Pro trial?
Eligible new accounts get 30 days of Pro without a credit card. After the trial, you keep Free unless you choose a paid subscription. There is no automatic charge. Pro is $9 per month or $90 per year.
How does Beyond Payday make money?
Only from Pro subscriptions. We don’t show ads, we don’t sell your data, and we don’t take referral fees from lenders. The Free plan is paid for by the people who choose Pro.
Can I plan with my partner?
Yes. Invite your spouse or partner to your household. Household sharing is available on Free, with permissions controlling what members can access.
Who can access my data?
Your household’s permissions control member access. Beyond Payday support can see your account and billing details, not your actual numbers — day-to-day support and product work run on anonymized aggregates. If you need hands-on help, you can grant support temporary access by name from Settings → Privacy, see exactly what they looked at, and revoke it at any time. Data export is available on every plan; the account owner can delete the household account. Read the security details.
Does Beyond Payday replace transaction tracking?
Beyond Payday can replace a transaction-focused app if you want a simpler view of your present and future finances. It does not import or categorize purchases. If you need a detailed spending history, you’ll still need a tool that tracks transactions.
Does Beyond Payday work outside the US?
Beyond Payday is currently available for US households. Its retirement planning includes US-specific rules and benefits.
Less sorting purchases.
More planning what’s next.
Add your income and recurring bills. See what’s left, then build from there.
Free plan · 30 days of Pro · No card · No bank login
Just exploring?
Try a free calculator—no account needed. Calculations run in your browser.
Important Legal Disclaimer: Beyond Payday is a financial planning and tracking tool, not a financial, investment, tax, or legal advisor. Calculations and projections are estimates for informational and educational purposes, not guarantees. Consult qualified professionals before making financial decisions. Read our Terms.