Know exactly what
to pay first.
Every payday.

Enter your email and get full access to every PlanPay feature (Paye AI, PayDay Mode, everything) completely free for 14 days. No credit card required. On day 11 we'll email you a reminder. If you love it, choose a plan. If not, no charge, no hard feelings.

Never. PlanPay works completely without bank access. You enter your bills and paycheck manually. No Plaid, no account linking, no read access to your bank. That means no connections that randomly disconnect at 2am, no credentials to re-enter, and no third party sitting between you and your financial data.

PlanPay is built for global users. You can set your display currency in Settings to USD/CAD ($), GBP (£), EUR (€), JPY (¥), INR (₹), or NGN (₦).

The Breathe Score is a number from 0 to 100 that tells you in plain English how financially comfortable your current pay cycle is. 70–100 is comfortable, 45–69 is manageable, below 45 is a tight month. Simple, honest, no jargon.

Yes. No bank connections required — ever. Your bills and income are stored securely in your encrypted account and never sold or shared with third parties. The only external processing that occurs is when you use the Paye AI chat, which is handled securely and never stored beyond your session.

PlanPay is available as a web app you can install on any phone — open getplanpay.com in your browser and add it to your home screen. It works exactly like a native app. Dedicated iOS and Android App Store listings are on the roadmap.

Yes — the Flow tab lets you log expenses by category (groceries, dining, transport, shopping, and more) and see a breakdown of where your money went each pay cycle. No bank connection required. You log it manually, which builds real spending awareness.

Yes. The Debt Tracker lets you add credit cards, car loans, student loans, or any balance you're paying down. Enter the current balance, interest rate, and minimum payment — PlanPay shows your payoff progress and factors minimum payments into your Breathe Score automatically.

Three things. First, PlanPay never connects to your bank — everything is entered manually, which means nothing randomly disconnects or breaks. Second, everything is anchored to your actual pay cycle, not a calendar month — so the numbers actually mean something when you get paid biweekly or weekly. Third, it's built to be used on payday — one session to check off your bills, see your Breathe Score, and know exactly what you can safely spend. No daily monitoring required.

Yes. PlanPay supports variable, gig, seasonal, and multi-source income. You can update your income each cycle to reflect what actually landed. The Breathe Score recalculates immediately and Paye can help you plan around leaner cycles so you're never caught off guard.