How Beyond Payday works
A spreadsheet on steroids for your money. Add your income, bills, assets and debts — Beyond Payday handles the formulas and shows you the big picture, plus a retirement plan mapped year by year on Pro. No bank linking, ever.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Built for the big picture
Three ideas that make Beyond Payday different from a budgeting app or a bank-sync tool.
A spreadsheet on steroids
Add your data and forget the formulas. Beyond Payday runs the heavy lifting — retirement projections, what-if modeling, and money-left-over math — automatically.
Only recurring bills
To keep maintenance low and the big picture clear, we track the bills that shape your month. Add your electric bill, skip last week's Starbucks run.
Check in periodically
Update balances when things change, and run any big purchase through the What-if planner first — so you see the impact before you commit.
Ready to get started?
Add the pieces that shape your month, then return for a short monthly check-in when something changes.
See how setup works.
Add income and bills, then review the dashboard. This fictional example uses the canonical Working couple + side gig household.
Add Income
Read-only excerpt from the actual income form.
- Income Type
- Employee (W-2)
- Who pays you?
- Meridian Health
- Salary
- $95,000 before taxes and deductions
- Amount is per
- Year
- Paycheck frequency
- Every two weeks
The remaining details include Last Payday, Estimated Tax Rate, and deductions.
Add recurring bills
Three bills from the fictional Working couple + side gig household.
- Home mortgage
- $1,650 / month
- SUV loan
- $480 / month
- Utilities
- $300 / month
Add the rest of your recurring costs as you go.
The complete household dashboard
Monthly figures from the complete fictional household.
- Income
- $9,333 per month
- Bills
- $4,690 per month
- Spending money
- $4,643 per month
This complete household includes both incomes, all bills, taxes, and deductions. These totals are not calculated from only the excerpts shown above.
Monthly check-in: refresh balances, update changed income and bills, and review your dashboard and projections. About 15 minutes is an estimate, not a measured average.
The setup, step by step
You type in your numbers once. Then Beyond Payday keeps the math current for you.
Add your income
FreeSalary, side income, benefits — around 30 types in all. Snap a paystub photo and our scanner reads the numbers for you (three free scans, unlimited on Pro).
Add your bills
FreeNot one-off transactions, but recurring obligations. Rent, utilities, subscriptions, insurance — the things that determine what's actually left each month.
Add your assets
FreeChecking, savings, cars, investments, real estate, even sentimental valuables like jewelry. Everything you own rolls into one net-worth number.
Add your debts
FreeCar loan, mortgage, credit cards, student loans. Link each debt to the income or asset it is paid from so payoff planning is automatic.
Add your businesses
ProWork for yourself? Track each business’s income, expenses, assets, and debts separately — then see what they add up to in your household net worth.
Tweak your retirement settings
ProPick your retirement age goal, Social Security claim age and estimated amount, and what happens to your house and business. Everything adjusts for inflation automatically.
Add your family members
OptionalInvite your spouse or partner so you can plan together. Add kids with their own permissions so they see only their own money as they learn.
Secure your account
RecommendedAdd passkeys, turn on two-factor authentication, or link a Google account for simpler, safer sign-in. Your financial data deserves more than a password.
I've seen enough, sign me up!
Eligible new accounts start with 30 days of Pro free — no credit card required.
Free
Or start from the spreadsheet you already have.
Upload your existing spreadsheet or an export from another app, match its columns to Beyond Payday, and review every row before it saves. There are no bank connections — nothing is pulled in behind your back.
See importing in the demoFree
See what lands and leaves next.
Cash flow projects your income, account balances and bills through any date you choose, with 30, 60 and 90-day views — and flags the week you'd come up short while you can still do something about it.
Try the cash flow viewShow through
- Now · Starting balance$2,400
- Week 2 · Rent, utilities$1,850
- Week 3 · Paycheck lands$3,100
- Week 4 · Annual insurance premium−$320
- Week 6 · Paycheck lands$900
Short by $320 in week 4, three weeks before it happens.
Free
See exactly when you'll be debt-free.
Compare avalanche vs. snowball, try extra monthly payments, and watch your balances shrink to zero on a chart — all from your real balances.
Try the debt payoff plannerPay 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.
Free
Test big decisions before you make them.
What if you bought a house, sold a car, or changed jobs? The What-if planner shows the before-and-after without touching your real data.
Try the scenario testerBigger house
vs. your current numbers
$412,000
- Assets:
- $698,000
- Debts:
- $286,000
$4,850/mo
- Needs:
- $3,900
- Wants:
- $950
$1,260/mo
- Current:
- $2,000
- Change:
- −$740
The what-if planner is a sandbox. Nothing here touches your saved income, bills, assets or debts.
Free
One score that sums up how you're doing.
Your Financial Health Score grades income, bills efficiency, wealth benchmark, safety net, and cash surplus — with plain-language insights.
See the live dashboardFinancial Health
78/100
- Income Index15%82
Above the benchmark for a family of four
- Bills Efficiency25%71
Needs are 38% of take-home — goal is ≤ 30%
- Wealth Benchmark15%64
Target is 4x income by your age
- Safety Net10%90
8.6 years of needs covered after debts
- Cash Surplus35%78
Surplus is 34% of take-home — 40%+ recommended
Every category expands on the dashboard to show the benchmark, your number, and the gap between them.
Pro
A plan mapped year by year, from now to age 95.
Social Security, RMDs, Medicare, pensions, and a Monte Carlo success rate — automatically inflation-adjusted for you and your spouse or partner, if you plan together.
See what the engine modelsRetirement Income Projection
Inflation-adjusted, year by year, to age 95.
| Milestone | Portfolio | Soc. Sec. | Spend/mo |
|---|---|---|---|
| CurrentAge 48 | $486K | — | $6,200 |
| You retireAge 62 | $1.24M | — | $5,400 |
| Both retiredAge 65 | $1.31M | $2,900 | $5,600 |
| All benefits activeAge 67 | $1.28M | $4,700 | $5,800 |
| Milestone | CurrentAge 48 | You retireAge 62 | Both retiredAge 65 | All benefits activeAge 67 |
|---|---|---|---|---|
| Total Portfolio Assets | $486K | $1.24M | $1.31M | $1.28M |
| Social Security | — | — | $2,900 | $4,700 |
| Total Monthly Spending | $6,200 | $5,400 | $5,600 | $5,800 |
Plan Confidence
87%
of tested markets your money lasts to age 95
Modeled estimates based on roughly 15% typical market swings. Not a guarantee.
Free
See what a purchase really costs — in hours of work.
Enter a price and the True Cost Calculator converts it to hours of your after-tax work. Living on retirement or benefits income? It shows days of income instead.
Try the True Cost CalculatorFree
Find the bills worth a second look.
Save money splits the bills you already entered into wants you could cut and needs you could pay less for, with tips for that kind of bill. It never calls a provider or cancels anything — it just shows you where to look.
Try Save money7 bills to review
Amounts are what you pay now, not savings.
Could you cut these?
Bills you marked as wants. Keep what's worth it, and trim or cancel the rest.
Entertainment
2- StreamPeak Plus$22/mo
- Loopcast Music$11/mo
Subscriptions
1- CrateCrate Box$38/mo
Apps & Software
1- PixelDraft Pro$15/mo
Gym & Fitness
1- IronOak Fitness$44/mo
Could you pay less?
Needs and everyday costs. A call, a switch, or a discount can often lower the price.
Phone/Internet
1- Northbell Fiber$79/mo
Utility
1- Bluewave Power Co.$61/mo
Insurance
1- Harborlight Auto Cover$96/mo
Free
Know what you'd do if the income stopped.
A SHTF plan runs four kinds of money trouble against your real numbers, from prices spiking to the worst case. Plan the bills you'd cut, the things you'd sell and the savings you'd dip into, and see the first month you'd come up short.
Try the SHTF planLevel 1
High inflation
Prices go up faster than your paycheck does.
Level 2
Temporary loss of income
The paycheck stops, but you expect it back in a few months.
Level 3
Long-term loss of income
No idea when it comes back, so the big moves are on the table.
Level 4
The world is ending
Nothing comes back, unless you plan a way to bring it back.
Every device
Your whole picture, on whatever you're holding.
Add Beyond Payday to your phone, tablet or computer like an app — one account, and changes show up on every device. No app store, no download.
How to install itSee your whole picture
Set it up once. The Free plan covers the essentials for good, and eligible new accounts also get Pro to try — retirement planning, businesses, and Beth, the AI assistant.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Important: Beyond Payday is a financial planning and tracking tool. It is not a financial advisor, investment advisor, accountant, or tax professional. The information, calculations, and projections it provides are for informational and educational purposes only and are not financial, investment, tax, or legal advice. Projections are estimates, not guarantees — they are based on the numbers and assumptions you enter, and actual results will vary. Consult a qualified professional before making financial decisions. Beyond Payday assumes no liability for decisions made based on the software.