Paycheck Budget App 2027, Budget by Paycheck Planner, Biweekly Bill Tracker, Savings and Debt Payoff, Bank CSV Import, Offline

Budget by paycheck instead of by month. See which bills each paycheck has to cover, what goes to savings, and exactly how much is safe to spend until your next payday. It works offline on your phone or computer. Pay once, with no subscription and no account.

WHAT IT DOES
• Guided 4-step setup: pick weekly, every 2 weeks, twice a month or monthly pay, enter your next payday and take-home pay (add a partner's or side-job income too), your bills and a savings goal
• "Next step" bar: always tells you what to do next, so you're never left wondering where to click
• Paycheck timeline: your next 6 paychecks as cards, each with its income, the bills due before the next payday, savings, spending so far and one big "Safe to spend" number
• Short on a paycheck? The card turns red and suggests a bill you could pay from the next paycheck instead (move it with one tap), or a savings amount to lower
• Bills: monthly, yearly or one-time, with due day, category and an autopay tag. Tick them off as you pay.
• Change a single paycheck (overtime, a smaller check) without touching the rest
• Spending log: quick add with categories you can edit, plus totals per pay period
• Bank CSV import: upload the CSV from your bank, match the columns (one amount column or separate debit/credit), preview, and import. Your keyword rules fill in categories and are remembered, and duplicates and deposits are skipped.
• Savings goals and sinking funds: target, amount per paycheck, progress bars and an estimated finish date
• Debt payoff: snowball vs. avalanche order with an estimated debt-free date and interest (clearly labeled estimates)
• Monthly reports: income vs. bills, savings and spending, spending by category, and the last 6 months
• 4 color themes + dark mode
• Backup and restore, CSV export (spending and bills), print

WHAT YOU GET
• The budget app: one HTML file that opens in any browser (Chrome, Safari, Edge, Firefox) on iPhone, Android, Mac, Windows or Chromebook
• Quick-start guide (PDF, 2 pages)
• Sample data to explore before you start your own

HOW IT WORKS
1. Download and unzip the file
2. Open Paycheck-Budget-App.html in your browser. No internet or sign-up needed.
3. Answer 4 quick setup questions and your paycheck plan is ready. It saves automatically as you go.

GOOD TO KNOW
• Instant digital download. Nothing is shipped.
• Your data stays private on your own device. Nothing is uploaded, and the bank CSV is read right on your device. Because of that, clearing your browser data will erase it, so use the built-in "Download backup" button now and then (instructions in the guide).
• Data doesn't sync between devices automatically. Use backup and restore to move it.
• It doesn't connect to your bank. You download a CSV from your bank and import it.
• Photos show sample data; your app starts empty.
• This is a planning tool, not financial advice. Debt payoff dates and interest are rough estimates.
• Personal-use licence: please don't resell or share the file.
• Designed and built by us with the help of AI coding tools.
• Questions? Message me. I reply within 24 hours.