Start with your numbers. Choose Pro when you need it.

Privacy, security, and accuracy. Your bank credentials never leave your hands — no third-party financial aggregators have access. Manual entry means every number is exactly what you intend, with no miscategorizations or phantom subscriptions.

A typical assets-under-management advisor charges about 1% of your portfolio every year — about $5,000 a year on a $500k portfolio. (Flat-fee and fee-only advisors exist too.) Beyond Payday Pro is $90/yr flat and never takes a percentage. It's a planning tool, not advice — it's built so you can walk into a fee-only advisor meeting already knowing your numbers.

Start with a paycheck and a few bills in about 20 minutes — your dashboard works from the first entry. A complete household picture (retirement accounts, insurance, businesses) usually takes an evening. After that, about 15 minutes a month keeps it current.

A spreadsheet holds your numbers. Beyond Payday also runs year-by-year retirement projections, applies current IRS contribution limits, models Social Security at any claiming age from 62 to 70 for both spouses, and recalculates everything the moment you change an income or bill. It syncs across devices and lets your family share it with permissions, with no formulas to maintain.

Yes — on the Free plan. Track every debt with its rate and payoff timeline, set payoff goals with target dates, and use the free Debt Payoff Planner to compare avalanche vs. snowball strategies and see your projected debt-free date and total interest. Pro's AI can also build a payoff plan from your real numbers, right in the chat.

For bookkeeping-light side hustles, usually yes: each business gets its own income, expenses, assets, and debts, with net profit and an estimated tax rate, all inside Pro at $9/mo instead of a separate bookkeeping subscription. It doesn't do invoicing or double-entry accounting.

Beth is a Pro feature that lets you ask questions about your finances in plain English. Unlike generic chatbots, Beth reads your actual income, bills, assets, debts, and retirement projections to answer. Your data stays private and is never used to train AI models.

Yes, anytime and on every plan: Settings gives you a JSON export plus a CSV for each type of record, including a profit-and-loss CSV for every business. Cancel Pro and you keep your records on Free. You can also delete your account yourself; limited records may remain as the Privacy Policy describes.

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.

Yes. Cancel your Pro subscription anytime — you keep access until the end of your billing period, then your account downgrades to Free. You don't lose any data.

Not yet. Signup is US-only because our tax, Social Security, and retirement engines are built on US rules.