Beyond Payday's free plan covers the core of managing your money — income, bills, assets, debts, goals, and the What-if planner — for as long as you use it. Pro adds three things: full retirement projections, side-business tracking, and Beth, an AI assistant that knows your numbers. Pro costs $9/month or $90/year, and eligible new accounts get a free 30-day trial of it automatically.
How it works
What's free, always:
- Income, bills, debts, assets, and net worth
- Future balance forecast, debt payoff, goals, and the What-if planner
- Bill savings finder and emergency planning
- Spreadsheet import, bulk editing, and full data export
- Browser extension, and use your Beyond Payday data inside ChatGPT or Claude
- Bill, payday, and review email reminders
- Partner and family sharing with per-member permissions
What Pro adds:
- Model your retirement timeline, year by year — including Social Security at different claiming ages (62–70), 401(k)/HSA (Health Savings Account)/pension tracking, and Monte Carlo simulations, which run your plan through thousands of possible market scenarios to estimate your odds of success.
- Track side businesses alongside personal finances — each business gets its own income, expenses, assets, and debts, kept separate from your personal numbers.
- Beth, an AI assistant that knows your numbers — ask questions about your own finances in plain English and get answers based on your actual data.
Paystub scanning: Import paystub details from a photo. Beyond Payday saves the income entry, then opens it so you can check the numbers. Free-plan households get 3 scans to try it. Pro and trial accounts can scan whenever they need to.
The trial: eligible new accounts start on a 30-day Pro trial automatically — no credit card, no separate sign-up step. If you don't subscribe before the trial ends, your account moves to the Free plan on its own. You keep every number you entered; you just lose access to the three Pro features above. Subscribe any time during the trial and you keep every remaining day — your first payment isn't charged until the day your trial would have ended.
An example with real numbers
A household on the free plan tracks $6,200/month in income, $4,100/month in bills, and $18,500 in savings — all for $0. When they upgrade to Pro for $9/month, those same numbers now also drive a retirement projection showing whether they're on track to retire, what happens if one spouse claims Social Security at 62 instead of 67, and how a Monte Carlo simulation of possible market paths affects their odds of not running out of money.
Assumptions and limits
- One trial per person, checked by email address. If that person has used a trial before, a new one won't start automatically, even in another family.
- Downgrading never deletes data. If a trial lapses or you cancel, you keep everything you entered — you just lose access to Pro-only features until you subscribe again.
- One subscription, whole family. However many family members you add, there's no per-person charge.
- US dollars only. Prices are in USD; Beyond Payday is built for US households.
FAQ
Does the free plan expire?
No. It's the plan your account settles onto for good if you don't subscribe to Pro.
Do I need a credit card to try Pro?
No — eligible new accounts start on a 30-day Pro trial automatically, and moves to the free plan on its own if you don't subscribe.
How much does Pro cost?
$9 a month, or $90 a year if you pay annually — two months free compared with paying monthly.
Can I cancel Pro anytime?
Yes. You'll keep Pro access until your current billing period ends, then your account moves to Free automatically with no data lost.
Does upgrading to Pro cost more for a bigger family?
No — one Pro subscription covers everyone on your account.