Payday: AI Salary Planner

Payday is the salary allocation planner that helps you decide where every dollar goes before you spend it. Unlike traditional budget trackers, Payday focuses on planning your income forward, not just tracking what you already spent.

AI-Powered Planning
- Type or speak your expenses naturally and AI converts them into organized entries
- Get a Financial Health Score from 0 to 100 with personalized recommendations
- Receive smart optimization suggestions to reduce spending category by category
- Simulate installment purchases to see how they impact your monthly cash flow
- AI remembers your patterns and categories for faster future entries

Monthly Income Allocation
- Allocate your salary across fixed, recurring, and one-time expenses
- See remaining balance, savings rate, and stress level at a glance
- Clone months to carry recurring expenses forward automatically
- Add notes and track payday confirmation for each month
- Support for primary and secondary income sources

Goal Tracking and Savings
- Create savings goals for emergency funds, travel, devices, investments, or custom targets
- Track progress with target amounts and deadlines
- Allocate monthly surplus directly to your goals

Scenario Planning
- Create what-if scenarios to test different spending combinations
- Adjust income levels and compare outcomes before committing
- Make confident financial decisions backed by data

Export and Backup
- Export your plans as CSV or PDF reports
- Full JSON backup and restore to keep your data safe

150 Plus Currencies Supported
- Works with any currency worldwide
- Automatic locale detection and formatting
- Search currencies by name, code, or symbol

Designed for Every Device
- Optimized layouts for both iPhone and iPad
- Dark mode, light mode, and system theme
- Beautiful glass-morphism design with smooth animations

Privacy First
- All data stored locally on your device
- API keys secured with Keychain encryption
- No ads, no third-party tracking

Free to start with 2 months, 3 goals, and 5 AI conversations per month. Upgrade to Pro for unlimited access.

Pro Subscription
- Monthly: $4.99 per month
- Yearly: $39.99 per year, save 33 percent

Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subs