# Beyond Payday

Beyond Payday is household money and retirement planning. Know what's left. Plan what's next. For life after payday. And life after paychecks. It tracks your income, bills, debts, and net worth and models retirement month by month up to age 100. Free plan, Pro at $9/month.

> Household money and retirement planning for Americans who want the big picture without the busywork. There is no bank linking of any kind. People enter their own numbers, import a spreadsheet, or scan a paystub. It never asks for bank logins or passwords.

Beyond Payday is US-only. It runs on the web and as apps for iPhone and iPad (App Store, also on Mac), Android (Google Play) and Windows (Microsoft Store), all on one account. An internet connection is needed. Sign in with email and password, Google or Apple. The app calculates net worth, monthly money available, and retirement projections. Getting started with a paycheck and a few bills takes about 20 minutes; a complete picture takes about an evening. After that, about 15 minutes a month keeps it current. There is a free tier and a Pro tier at $9/month ($90/year). It makes money only from Pro subscriptions: no ads, no selling data, no referral fees.

## Key Features

- **Income tracking**: Multiple income sources per earner, frequency handling, net/gross
- **Bill tracking**: Recurring bills categorized as needs vs. wants, with toggle on/off for what-if scenarios
- **Asset tracking**: Investment accounts, home equity, savings, retirement accounts (401k, IRA, HSA)
- **Debt tracking**: Mortgages, car loans, credit cards with interest rates and payoff timelines
- **Net worth**: Calculated automatically from assets minus debts, with historical snapshots
- **Retirement projections**: Month-by-month modeling using savings rate, expected returns, Social Security estimates at any claiming age from 62 to 70 for you and your spouse or partner, pension support, and Monte Carlo stress testing
- **What-if scenarios**: Toggle income sources or bills on/off to model financial decisions
- **Debt payoff planner**: Avalanche vs snowball comparison with extra-payment analysis on the free Debt Payoff Planner page
- **Business tracking**: Separate income/expense tracking for side businesses and LLCs (Pro)
- **AI assistant**: Chat interface that reads your data to answer questions. Read-only by default; an owner or spouse/partner can turn on Read & write, after which it can propose adding, changing or deleting records, but nothing is saved until the user taps Confirm on each change (deletes and multi-item changes are double-checked; most can be undone for 24 hours). Answers in plain English. Includes financial calculator, amortization tables, IRS reference data, and guided navigation. Pro only.
- **Family sharing**: Spouse/partner can share one family account, and a parent can add kids (Kid Mode) and teens (Teen view)
- **Kid Mode**: For kids under 13, set up by a parent in Settings → Family: jars, savings goals and money lessons on the kid's paired tablet, with the parent in charge. It tracks money only (no real money moves), and kids have no email or login of their own. Free on every plan
- **Teen view**: Logins for family members ages 13–17, added by a parent, with teen labels on the real app and a Ready for 18 checklist
- **Paystub scanner**: Automatic income extraction from photos; 3 free scans lifetime for Free plan, unlimited for Pro

## Pricing

- **Free**: $0/month. Income, bills, assets, debts, net worth, what-if scenarios, debt payoff planner, spouse/partner sharing, cross-device sync, 3 free paystub scans, money lessons for every age and Kid Mode.
- **Pro**: $9/mo or $90/yr. Everything in Free plus retirement projections, Social Security modeling at any age 62–70, 401k/HSA/pension tracking, business tracking, AI assistant, unlimited paystub scans.
- **Trial**: Eligible new accounts start with 30 days of Pro free — no credit card. Each person gets one trial, checked by email address. After 30 days you keep the Free plan — no charge.

## Not to be confused with

Beyond Payday is not affiliated with Beyond Finance, any debt-settlement company, or any payday lender, and it does not offer loans. It is built by Shane Stebner through HTMLGuy LLC.

## Privacy and Security

- No bank linking of any kind, no third-party data aggregators, no bank credentials collected
- User data is not sold or shared with advertisers
- AI assistant data is not used to train AI models
- Website analytics: Google Analytics runs only with cookie consent; a cookie-free visit count keeps no IP address or anything that identifies a visitor, and skips Global Privacy Control / Do Not Track browsers

## Pages

- [Homepage](https://beyondpayday.com/) — Household money and retirement planning: income, bills, debts, net worth, and retirement
- [Pricing](https://beyondpayday.com/pricing) — Free vs Pro feature comparison and FAQ
- [Compare](https://beyondpayday.com/compare) — Feature and price breakdown of Beyond Payday's Free and Pro plans
- [Quiz](https://beyondpayday.com/quiz) — Personalized plan selection quiz
- [AI Assistant](https://beyondpayday.com/ai-assistant) — Detailed feature breakdown of the Beyond Payday AI assistant
- [App](https://beyondpayday.com/app) — Web app installation and cross-device sync
- [Contact](https://beyondpayday.com/contact) — Support contact form
- [Privacy Policy](https://beyondpayday.com/privacy) — Data handling policy
- [Terms of Service](https://beyondpayday.com/terms) — User agreement
- [Free Tools](https://beyondpayday.com/tools) — Twelve free financial calculators: retirement, Social Security claiming age, RMDs, net worth, loans, rent vs buy, debt payoff, paycheck, and budgeting
- [Retirement Calculator](https://beyondpayday.com/tools/retirement-calculator) — Fixed-return nest egg and drawdown estimates with Social Security, a simple tax allowance, methods, and examples with real numbers; excludes inflation and actual withdrawal tax rules
- [Net Worth Calculator](https://beyondpayday.com/tools/net-worth-calculator) — Assets minus debts with itemized breakdown
- [Net Worth Percentile Calculator](https://beyondpayday.com/tools/net-worth-percentile) — Approximate net worth percentile by age using Federal Reserve SCF data; count full home value in assets and mortgage balance in debts
- [Loan Payment Calculator](https://beyondpayday.com/tools/loan-payment-calculator) — Monthly payment and amortization schedule
- [Loan Payoff Calculator](https://beyondpayday.com/tools/loan-payoff-calculator) — Payoff date and extra-payment savings
- [Take-Home Pay Calculator](https://beyondpayday.com/tools/take-home-pay-calculator) — Estimated W-2 or self-employment net pay for all 50 states and DC, with 2026 tax sources, assumptions, and examples with real numbers
- [Debt Avalanche vs. Snowball](https://beyondpayday.com/tools/debt-payoff-comparison) — Compare debt payoff methods side by side
- [Emergency Fund Calculator](https://beyondpayday.com/tools/emergency-fund-calculator) — Months of expenses covered and how much more to save
- [50/30/20 Budget Calculator](https://beyondpayday.com/tools/budget-50-30-20) — Split take-home pay into needs, wants, and savings
- [Social Security Calculator](https://beyondpayday.com/tools/social-security-calculator) — Monthly benefit at each claiming age 62–70 from SSA's published rules for your birth year, with lifetime totals and breakeven ages
- [RMD Calculator](https://beyondpayday.com/tools/rmd-calculator) — When required minimum distributions start and this year's RMD from the IRS Uniform Lifetime Table, with the first-RMD deadline
- [Rent vs Buy Calculator](https://beyondpayday.com/tools/rent-vs-buy-calculator) — Estimated net cost of buying vs renting over the years you choose, including PMI, property tax, upkeep, selling costs and investment growth
- [Partners Signup](https://beyondpayday.com/partners/signup) — Partner program enrollment
- [Retirement Planning](https://beyondpayday.com/retirement-planning) — Month-by-month projections up to age 100, Social Security 62–70, pensions, and Monte Carlo stress testing
- [Pension Retirement Planning](https://beyondpayday.com/retirement-planning/pension) — Model pensions (COLA, survivor %, one-time payouts), annuities, and 403(b)/457/TSP accounts alongside Social Security
- [Already Retired](https://beyondpayday.com/retirement-planning/already-retired) — Drawdown planning for people already retired: Social Security already claimed, RMDs, withdrawal order, survivor income
- [Business Tracking](https://beyondpayday.com/business-tracking) — Pro: per-business revenue, expenses, assets and debts, multiple owners with ownership percentages, K-1 pass-through, and quarterly estimated tax broken out by business
- [Spreadsheet Import](https://beyondpayday.com/spreadsheet-import) — Free on every plan: import an existing spreadsheet or another app's export by mapping its columns yourself, reviewing every row before it commits, plus a spreadsheet-style grid for fast bulk entry. No bank connections — Beyond Payday never links to a bank account
- [Save Money](https://beyondpayday.com/save-money) — Free on every plan: reviews your existing bills and splits them into wants you could cut and needs you could pay less for, with per-category guidance. Promises no savings, contacts no provider, and cancels nothing
- [SHTF Plan](https://beyondpayday.com/shtf-plan) — Free for the household owner and spouse or partner: hypothetical household planning across four escalating levels (high inflation, temporary loss of income, long-term loss of income, the world is ending), with a monthly cash forecast. Estimates only; nothing is executed and it is not tax or legal advice
- [Security & Privacy](https://beyondpayday.com/security) — Security and privacy specifics
- [Budget App Without Bank Linking](https://beyondpayday.com/budget-app-without-bank-linking) — How budgeting works with manual entry, spreadsheet import, and paystub scan instead of a bank connection, including the trade-offs
- [Budget App for Couples](https://beyondpayday.com/budget-app-for-couples) — One shared household, a login for each person, per-feature permissions; sharing is free
- [Bill Tracker](https://beyondpayday.com/bill-tracker) — Bill calendar with paydays, optional email reminder the day before a bill is due, and a cash-flow forecast
- [Debt Payoff Planner](https://beyondpayday.com/debt-payoff-planner) — Free avalanche or snowball payoff plan with extra payments, estimated debt-free date and interest saved
- [Switching Guides](https://beyondpayday.com/alternatives) — Side-by-side guides for people moving to Beyond Payday from another app, with every fact about another company sourced and dated
- [About](https://beyondpayday.com/about) — Who builds Beyond Payday: Shane Stebner, a software developer in South Florida, through HTMLGuy LLC (a Florida LLC); self-funded, no investors
- [Press Kit](https://beyondpayday.com/press) — Fact sheet, copy-ready descriptions, logos, and founder bio for writers
- [Blog](https://beyondpayday.com/blog) — Educational money articles with author background links, dated source/correction notices, and annotated financial sources; not independent professional review or personalized advice
- [How It Works](https://beyondpayday.com/how-it-works) — Walkthrough of setting up income, bills, assets, and debts and what Beyond Payday calculates from them
- [Live Demo](https://beyondpayday.com/demo) — Interactive tour of the real app against sample household data, no signup required
- [Email Reminders](https://beyondpayday.com/email-reminders) — Opt-in, off-by-default email reminders for bill due dates, payday, monthly check-ins, and goal progress
- [Browser Extension](https://beyondpayday.com/browser-extension) — Free extension that shows a price in hours of work while shopping, and what that money could grow to by retirement
- [Accessibility](https://beyondpayday.com/accessibility) — Accessibility statement: standards, current state, and how to report a barrier
- [Help Center](https://beyondpayday.com/help) — Self-serve articles on using every Beyond Payday feature
- [Formerly PiggySize](https://beyondpayday.com/formerly-piggysize) — Explains the rename from PiggySize to Beyond Payday
- [MCP Connector](https://beyondpayday.com/mcp) — Standard MCP server for connecting Claude, ChatGPT, or other AI assistants to your own Beyond Payday data

## Learning Center

- [Learning Center](https://beyondpayday.com/learn) — Free money lessons for every age, each with a short story, a game, a quiz and a certificate; no account needed. Lessons teach how money works and are not financial advice
- [Coin Crew](https://beyondpayday.com/learn/coin-crew) — Ages 5–7 (K–2). First coins, jars and waiting
- [Money Detectives](https://beyondpayday.com/learn/money-detectives) — Ages 8–10 (grades 3–5). Crack money cases with clues
- [Level Up](https://beyondpayday.com/learn/level-up) — Ages 11–13 (grades 6–8). Money choices with real outcomes
- [Real World Ready](https://beyondpayday.com/learn/real-world-ready) — Ages 14–18 (grades 9–12). Paychecks, taxes and credit, for real
- [First Paychecks](https://beyondpayday.com/learn/first-paychecks) — Ages 18–30. Make your first paychecks work
- [Juggling It All](https://beyondpayday.com/learn/juggling-it-all) — Ages 30–55. Family, home and retirement, all at once
- [Life After Paychecks](https://beyondpayday.com/learn/life-after-paychecks) — Ages 55+. Social Security, Medicare and a paycheck for life