✦ 14-Day Free Trial · No Bank Login

Know exactly what
to pay first.
Every payday.

Master your money with the luxurious way to budget, save, and coach your payday. The moment your money lands, PlanPay tells you exactly what to pay first — no stress, no spreadsheets, no bank connections.

14 days free · No credit card · Cancel anytime
🎉 Payday Mode
DAILY ALLOWANCE
$60.71 / day safely until Apr 1
☕
Breathe Score™
78
/100
Cycle: Mar 18 — Apr 1
Payday Walkthrough
✓
💳 Rent / Mortgage
$1,100.00 · Due 1st
✓
🎯 Miami Vacation
$150.00 · Due 14th
✓
🎬 Netflix
$15.99 · Due 16th
🔒 No bank connection needed
📱 Works on any phone
🌍 Supports 6 Global Currencies
✦ AI-powered coaching
💳 No credit card for trial
Everything you need

Built for the way you
actually get paid.

Every feature in PlanPay is designed around your exact paycheck cycle — not a generic calendar month.

📊
Included
Breathe Score™
A score from 0–100 that tells you in plain English how comfortable this pay cycle is. Green means relax. Red means focus. Always honest, never complicated.
✦ Our most loved feature
🎉
Included
Interactive PayDay Mode
Activate the moment your paycheck lands. Check off your bills and subscriptions as you safely fund them, and watch your progress bar hit 100%.
🎯
Included
The Paycheck Slicer (Goals)
Planning a vacation or buying a car? Set a goal and deadline. PlanPay automatically slices it into perfect bite-sized chunks to save from each paycheck.
☕
Premium
Daily Allowance
Stop wondering if you can afford that coffee. Your dashboard calculates exactly how much guilt-free money you can safely spend per day until your next payday.
✦
Premium
Paye — AI Coach
A warm, smart AI coach that knows your actual cycle. Ask it anything — "What should I pay first?" — and get real answers based on your actual numbers.
🔒
Included
Private by Design
No bank logins. No Plaid connections required. Your financial data lives securely on your device. We literally cannot see your bank information.
How it works

Up and running in
under 3 minutes.

1
Enter your paycheck
Tell PlanPay your take-home pay, frequency, and next payday. No bank login, no linking accounts — just type it in.
2
Add bills, subs & goals
Pick from common bills or set up a savings goal. PlanPay sorts them by urgency automatically based on your specific cycle.
3
See your Daily Allowance
Know exactly how comfortable this cycle is. See your Breathe Score and your guilt-free Daily Allowance instantly.
4
Check items off on payday
The moment money lands, activate PayDay Mode. Check off your bills as you pay them, and watch the confetti fly.
✦ Breathe Score™ · This cycle
78/100
You're breathing easy this month. After all your bills, you have solid breathing room.
Payday Walkthrough
✓
💳 Rent
Paid
$1,100
✓
🎯 New Car Fund
Due in 8 days
$185
✓
🎬 Streaming
Due in 14 days
$15.99
Get the app

Your payday coach,
in your pocket.

Download PlanPay on iOS or Android and start your 14-day free trial. No credit card. No commitment. Just absolute clarity on payday.

🍎
Download on the
App Store
▶️
Get it on
Google Play
Or use the web app now → planpay-landing.netlify.app
Good morning ✦ Your plan for today
DAILY ALLOWANCE
$60.71 / day safely
☕
Breathe Score™
78
You're breathing easy.
✓
Rent
✓
Car Insurance
What people are saying

Real people.
Real paychecks.

★★★★★
"I get paid biweekly and always ran out of money the last 3 days. The Daily Allowance showed me I was overspending by like $8/day. Fixed it in a week."
👩🏽
Sarah M.
Toronto, ON · Healthcare worker
★★★★★
"Sounds dumb but I used to pay whatever bill was loudest. PayDay Mode made me realize I was always paying Spotify before my hydro. Not anymore."
👨🏾
James T.
Calgary, AB · Warehouse supervisor
★★★★★
"I asked Paye if I could afford a last-minute flight home for Christmas. It told me yes, but I'd need to skip dining out for 2 weeks. That's a real answer."
👩🏿
Amara K.
Mississauga, ON · Graduate student
Simple pricing

Try everything free.
Then decide.

Start your 14-day free trial with full access to every feature. No credit card needed. After your trial, choose the plan that works for you.

After Trial
Monthly
$4.99
per month
 
  • ✓ Full Breathe Score™
  • ✓ Interactive PayDay Mode
  • ✓ Paye AI Coach
  • ✓ Goal & Savings Slicer
  • ✓ Daily Allowance Tracker
  • ✓ Private by Design
  • ✓ Cancel anytime
Start 14-Day Free Trial
No credit card for trial
Best Value
Yearly
$49.99
per year · just $4.17/mo
You save $9.89 vs monthly ✦
  • ✓ Everything in Monthly
  • ✓ Priority support
  • ✓ All future features included
  • ✓ Lock in lowest price forever
  • ✓ Cancel anytime
  • ✓ 14-day free trial
  • ✓ No credit card for trial
Start 14-Day Free Trial
No credit card for trial
FAQ

Questions? Answered.

How does the 14-day free trial work? +
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.
Do I need to connect my bank account? +
Never. PlanPay works completely without bank access. You enter your bills and paycheck manually. Your financial data stays on your device only — we genuinely cannot see it.
What currencies does PlanPay support? +
PlanPay is built for global users. You can set your display currency in Settings to USD/CAD ($), GBP (£), EUR (€), JPY (¥), INR (₹), or NGN (₦).
What is the Breathe Score? +
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.
Is my data safe? +
Yes. PlanPay is built local-first — everything lives on your device, not our servers. We don't operate a database of your financial information. The only data that leaves your device is when you use the Paye AI chat, processed securely.
Is PlanPay available on iPhone and Android? +
PlanPay is currently available as a web app you can install on any phone — open in your browser and add to your home screen. Native iOS and Android apps are coming very soon to the App Store and Google Play.
Ready to breathe easier?

Your next payday starts right now.

14 days free. No credit card. Full access to everything.

14-day free trial · No credit card · Cancel anytime