Start with your numbers. Choose Pro when you need it.
Every account starts with Free plus 30 days of Pro.
Create free accountNo card. No automatic charge. Choose a paid plan later.
- Income, bills, debts, assets, and net worth
- Cash flow forecast, debt payoff, goals, and what-if scenarios
- Bill savings finder and emergency planning
- Spreadsheet import, bulk editing, and full data export
- Browser extension and a connector for Claude or ChatGPT
- Bill, payday, and review email reminders
- Partner and family sharing with per-member permissions
or $90/year (2 months free)
Everything in Free, plus:
- Retirement projections, pensions, and Social Security
- Business finances alongside your household
- Beth, an AI assistant that uses your numbers
Try Pro for 30 days. No credit card required.
Eligible new accounts get one free trial. No automatic charge—keep Free unless you add a payment method and choose a paid Pro subscription.
What happens after 30 days?
Keep using Free. Subscribe to continue using Pro retirement planning, business tracking, and Beth, the AI assistant.
Paid Pro renews monthly or annually until canceled. Cancel any time from Settings → Billing; your Pro features continue through the period you already paid for.
Paystub scanning
Import paystub details from a photo, then review the extracted numbers.
- Free
- Limited lifetime scan allowance
- Pro & trial
- Unlimited scans, with rate limits
Every Free feature
- Recurring income and bills
- Bills calendar
- Promotional bill pricing with expiry reminders
- Assets, debts, and net worth
- Savings and debt-payoff goals
- Debt Payoff Planner
- Money left over each month
- What-if planner
- Life events
- True Cost Calculator
- Save money bill review
- SHTF plan
- Future balance forecast
- Spreadsheet import and entry
- Bulk balance review reminders
- Full data export (JSON and CSV)
- Browser extension
- Use your Beyond Payday data inside ChatGPT or Claude
- Bill, payday, and review email reminders
- Shareable financial health and net worth cards
- Partner and family sharing with per-member permissions
- Customizable planning menu
- Progress tracking
- Same data on your phone and computer
Every Pro feature
- Retirement projections to age 95
- Social Security, spousal, and survivor analysis
- Monte Carlo, RMDs, and Roth conversion planning
- Pensions and IRS contribution limits
- Already Retired mode
- Side businesses
- Beth, your AI assistant
Not sure which plan is right for you?
Take a quick quiz, and we’ll recommend the right plan based on what you actually need.
Common Questions
Why no bank connections?
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.
How does Beyond Payday compare to a financial advisor?
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/year 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.
How much time does this really take?
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.
How is this different from spreadsheets?
Try building a spreadsheet that runs year-by-year retirement projections with compound growth across multiple account types, enforces current IRS contribution limits for 401(k)/403(b)/IRA/HSA, models Social Security benefits at any claiming age from 62 to 70 for both spouses, factors in employer matches and catch-up contributions, handles business exit strategies, and recalculates everything instantly when you toggle an income source on or off. That's what Beyond Payday does automatically. Plus cross-device sync, family collaboration with permissions, historical snapshots, Beth (an AI assistant that can answer questions about your data), and a dashboard that shows your full financial picture without a single formula.
Can Beyond Payday help me pay off debt?
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.
Can it replace QuickBooks for a small side hustle?
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 — at $9/mo instead of $30+. It doesn't do invoicing or double-entry accounting.
What is the AI Financial Assistant?
A Pro feature that lets you ask questions about your finances in plain English. Unlike generic chatbots, it reads your actual income, bills, assets, debts, and retirement projections to give personalized answers. Your data stays private and is never used to train AI models.
Can I export my data? What happens if Beyond Payday shuts down?
Yes — download everything from Settings, anytime: a full JSON copy plus a CSV for each type of data, including a profit-and-loss CSV for every business, free on every plan. Your data is never held hostage — cancel Pro and you keep full access to everything on the Free plan, and you can permanently delete your account and all its data yourself, no support ticket needed. And we're built to last: Beyond Payday is funded by Pro subscriptions, not venture capital.
Can I cancel anytime?
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.
Is Beyond Payday available outside the US?
Not yet. Signup is US-only because our tax, Social Security, and retirement engines are built on US rules.
Disclaimer: Beyond Payday is a financial planning tool, not a financial advisor. All calculations and projections are for informational purposes only. Retirement projections are estimates based on your inputs — actual results will vary. Consult qualified professionals before making financial decisions.