Paycheck Budget App | Biweekly Budget Planner, Bill Calendar, Debt Payoff, Savings Goals, Works Offline, Free Demo

CALM MONEY, A PAYCHECK BUDGET APP. Budget by paycheck, not by month. Safe to spend runs to your next paycheck: your balance, minus the bills due before it, minus what your budgets keep back. Weekly, biweekly, twice a month or irregular pay, and every payday on the bill calendar.

It opens in your browser, adds to your Home Screen like an app and works offline. No account, no bank login, no subscription. Dollars and US English (or any of 25 currencies), weeks that start on Sunday, and debt payoff by highest rate or smallest balance.

TRY THE FREE DEMO FIRST: https://app.neatwrenstudio.com/demo/?mode=standard
It is the real app with example numbers, opening in Standard mode. Overview, Spending, Bills & income, the calendar, notes, the wait list and both modes are open (up to 25 spends, 5 bills, 5 notes and 3 wait-list items). Budgets, goals, debts and Insights show as previews. Download a backup in the demo and your numbers carry over to the full version.

WHAT IT DOES
- SAFE TO SPEND: your balance, minus the bills still to go out before payday, minus what your budgets keep back, minus money put aside for occasional bills and an optional safety buffer. "How is this worked out?" lists every figure.
- AM I ON TRACK?: bills before payday, budgets, goals and debts, each with a status in colour, icon and word: On track, Watch this, or Over by the amount.
- MONEY LEFT UNTIL PAYDAY: a chart of your balance day by day with every bill marked, and where your usual pace leaves you the day before pay. Week, month, pay period or 3 months.
- LOG A SPEND IN TWO TAPS: the + button, an amount, a category. On a computer, Ctrl or Cmd + K and type "25 groceries".
- BILLS AND INCOME ON ANY CYCLE: monthly, two days a month, every 2 weeks, every 4 weeks, weekly, every few months or once; day 31 means the last day of the month. Pay that lands early when payday is a weekend. Put a bit aside each month for insurance and renewals.
- SUBSCRIPTIONS: mark a bill as a subscription, see the monthly and yearly total, and set a cancel or review-by date.
- BUDGETS WITH PACE: each budget shows a tick for even pace today, so one running fast shows early. Going over is shown, never shouted.
- 48-HOUR WAIT LIST: park the things you want. After 48 hours, buy it or let it go; money not spent is kept as a win. Never counted in Safe to spend.
- GOALS AND DEBTS: goal rings with dates and the monthly amount needed; debts with paid off so far, a clear-by date, and highest-rate or smallest-balance order. Card spends go on the card, not out of your account twice.
- CALENDAR: bills, paydays, reminders and spending by day, month by month.
- INSIGHTS: spending by category with arrows against last time, planned vs actual for every budget, 6 months of money in and out, savings progress, and small wins. Any pay period, month, week or your own dates.
- NOTES AND REMINDERS: notes, to-dos and dated reminders. Export bills, paydays, goal dates, debt payments, subscription reviews and reminders to Apple, Google or Outlook calendar, with alerts.
- TWO MODES: ADHD-friendly (one next step at a time, 3 small things, whole numbers, Focus, a gentle 48-hour nudge for non-essential spends over 25 in your currency) or Standard (exact to the cent, a Coming up table, breakdowns open). Same features, switch any time.
- MAKE IT YOURS: 8 colour schemes or your own colour, light or dark, 5 font choices including Atkinson Hyperlegible, text size, density and reduced motion. The app icon follows your colours. Name your planner.
- IMPORT AND EXPORT: CSV import from our money spreadsheets' Export to Calm Money tab or a plain bank export, with a preview before anything changes; CSV export of everything; backups with a reminder after 14 days.
- 25 CURRENCIES, English (UK) or English (US).

WHAT YOU GET
Two PDFs on your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- Start here: your private link to the full Calm Money, how to add it to your Home Screen, and how to bring your demo numbers across.
- How-to guide: every screen, step by step, with pictures.
Lifetime updates: new versions arrive by themselves the next time you open it online. Personal licence for your own devices.

WORKS ON
- iPhone and iPad: open the link in Safari, then Share, then Add to Home Screen.
- Android: open it in Chrome, then the menu (three dots), then Add to Home screen.
- Windows, Mac and Chromebook: any up-to-date browser (Chrome, Edge, Safari or Firefox). Chrome and Edge can install it as an app.
Once it is on your Home Screen it opens with no internet. Nothing to download from an app store, no account, no login.

YOUR NUMBERS STAY ON YOUR DEVICE
Everything you type is saved in the browser on your phone or computer. There is no account, no bank connection, no analytics, and nothing is sent anywhere. To move to a new phone, or between your phone and laptop, download a backup file and restore it on the other device. Back it up now and then: if you clear your browser's data, the app's data goes too.

WHO IT IS FOR
Anyone paid weekly, biweekly or twice a month who wants to know what is safe to spend until the next paycheck, without a subscription or linking a bank. Not financial advice.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Because the files arrive the moment payment clears, Etsy does not allow returns on digital items. If anything does not open or is not as described, message us before leaving a review and we will fix it or refund you.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.