Is Beyond Payday right for you?
Beyond Payday builds a household plan from the numbers you enter. No bank connection needed.
A good fit if you want to…
- See what's left after regular bills.
- Keep your household's balances in one place.
- Explore retirement plans with Pro.
You keep the plan current by updating your amounts and balances.
Need automatic purchase tracking?
Beyond Payday doesn't import transactions or categorize purchases. Use the app comparison to check those features.
Compare apps and featuresChoose the right level of financial detail
The Problem
Some people want a transaction-by-transaction budget. Others want a current household picture: income, recurring bills, balances, goals, and long-range plans. Decide which level of detail you will actually maintain before choosing a tool.
How Beyond Payday Solves This
Beyond Payday has a $0 Free plan for core household planning. Pro adds retirement planning, business tracking, and Beth, the AI assistant; current plan details and pricing live on the pricing page.
Moving from a transaction-based app
Your recurring categories become bills, and your account balances become assets and debts. Beyond Payday does not import or categorize purchases, so you update the figures that matter to your plan instead.
Decide whether manual entry fits you
The Problem
Automatic account connections can save entry time, while manual entry gives you a deliberate, planning-focused workflow. The right choice depends on whether you need a live transaction feed or a durable household summary.
How Beyond Payday Solves This
Beyond Payday never connects to your bank and never asks for bank credentials. You enter income, bills, assets, debts, goals, and other planning figures yourself. There is no transaction ledger, transaction import, bank sync, or purchase categorization.
Plan for retirement with your household numbers
The Problem
A household plan needs more than a monthly total. You may want to compare Social Security claiming ages, pensions, contributions, taxes, withdrawals, and what happens if you are already retired.
How Beyond Payday Solves This
Beyond Payday Pro includes a full retirement simulation engine: year-by-year projections to age 95, Social Security claiming-age comparison (any age 62–70), IRS contribution limit enforcement for 401(k)/IRA/HSA, spouse retirement coordination, business exit strategy planning, and an "Already Retired" mode for withdrawal-phase projections—plus pensions with cost-of-living adjustments, Monte Carlo success rates, required minimum distributions (RMDs), and Roth conversion ladders.
Know what you can take with you
The Problem
When you compare planning tools, ask how you can access your information if you change plans or move to another product. Also check whether export covers the records you care about and whether it is available without a paid plan.
How Beyond Payday Solves This
Beyond Payday provides self-serve JSON and CSV export on every plan. You can also downgrade to Free and keep the Free-plan features, or delete your account and its data yourself from account settings.
Plan together without sharing one login
The Problem
Households vary in how much they want to share. Before choosing an app, check whether each person gets a separate login, whether roles can limit access, and whether a household subscription covers the people who need it.
How Beyond Payday Solves This
Beyond Payday models one household with owner, spouse, and child roles. Granular permissions control access by feature and operation, and one family subscription covers the household. Retirement planning can coordinate spouses, while each financial item can belong to the relevant family member or household.
Keep the control. Leave the formulas to us.
The Problem
Spreadsheets are flexible, but their formulas and contribution limits need ongoing attention.
How Beyond Payday Solves This
Enter the figures you know. Beyond Payday calculates your totals and projections, with maintained contribution limits and no spreadsheet formulas for you to write.
Use planning software alongside professional advice
The Problem
A planning app can organize your figures and show possible outcomes, while a qualified professional can provide advice for your situation. Ask whether a tool is a calculator, a planning aid, or an advice service before relying on it for a financial decision.
How Beyond Payday Solves This
Beyond Payday is a planning tool, not a financial advisor, investment advisor, or tax professional. Use it to organize household numbers and explore projections, then consult a qualified professional before making financial decisions. See current plan pricing on the pricing page.
See what your side business adds to the household.
The Problem
A side business affects both its own finances and your household plan.
How Beyond Payday Solves This
Pro lets you track each venture’s income, expenses, assets, and debts separately, then see its contribution to your household’s financial picture. Check the pricing page for current plan details.
Ask questions about the numbers you entered
The Problem
AI can be useful when it is grounded in your actual plan. Ask where the information comes from, what the tool can calculate, and whether it is giving planning help or regulated financial advice.
How Beyond Payday Solves This
Pro’s AI assistant, Beth, answers questions using the financial data you entered. It can run calculations, look up current IRS limits, guide you through the app, and escalate to human support. It does not require bank credentials; it is not a financial advisor.
Side-by-Side Comparison
Use these questions to compare Beyond Payday with any other planning or budgeting app.
| Feature | Beyond Payday | What to check elsewhere |
|---|---|---|
| Plan and pricing | Free plan plus Pro | What is included at each tier, and what renews? |
| Data entry | Manual household figures | Do you need automatic account feeds or manual control? |
| Transactions | No import or categorization | Is there a transaction ledger, import, and category workflow? |
| Retirement planning | Pro projections with Social Security and household scenarios | Which assumptions, tax rules, and scenarios are modeled? |
| Business tracking | Pro business income, expenses, assets, and debts | Can business and household numbers be kept separate? |
| AI help | Pro assistant grounded in entered data | What data does the assistant use, and is it advice or planning help? |
| Household access | Owner, spouse, and child roles with permissions | Does each person get a login, and can access be limited by role? |
| Export and portability | JSON and CSV export on every plan | Can you export your records without upgrading or contacting support? |
Ready to Switch?
No bank login. Clear pricing. Just a clear picture of your family's finances.
Other products' plans, prices, and features change. Check each provider's official pages and current terms before choosing a product. Any named products or trademarks belong to their respective owners; Beyond Payday has no affiliation with or endorsement from them.