Launching soon

Budget every payday, not every month.

EachPayday is a fortnightly-first budgeting app made in Australia, built on the set-aside method: every bill covered each payday, and what's left is clearly yours. Buy it once, own it forever. No account. No bank access. Works offline. Your data never leaves your device.

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  • Fortnightly, weekly & monthly pay
  • One-time price
  • No bank logins
  • Works offline
The fortnight checklist: each bill as a per-payday amount, ticked off as it is set aside. The fortnight checklist in dark mode: each bill as a per-payday amount, ticked off as it is set aside.
The Surplus card in an indigo accent: available surplus banked from completed cycles, with spending logged by category. The Surplus card in dark mode with an indigo accent: available surplus banked from completed cycles.
The next fortnight, already covered on fixed income alone: income, obligations and surplus ahead of payday. The next fortnight in dark mode, already covered on fixed income alone.
This fortnight at a glance: a green 'You're covered' panel with $2,116.37 discretionary and days until next payday. This fortnight at a glance in dark mode: 'You're covered' with $2,116.37 discretionary.
The Bills account card in a teal accent: what to keep in your direct-debit account so every bill clears. The Bills account card in dark mode with a teal accent: set aside, balance now and end of fortnight.
The Piggy bank card in a green accent: savings split across goals, moved in from surplus. The Piggy bank card in dark mode with a green accent: savings split across goals.

The actual app, shown with sample data.

Built for how you're actually paid

Pay cycles

Your pay cycle, not the calendar

Fortnightly, weekly, or monthly: EachPayday turns every bill into a per-payday amount and shows exactly what this cycle needs. No more translating monthly budgets into fortnights.

Learn more in the help docs
The method

The set-aside method, automated

Every payday, a checklist: what to keep, what to move to your bills account, what's left as yours. Tick it off in two minutes, and the app tracks that every direct debit is covered until next payday.

Learn more in the help docs
Privacy

Private by design

No sign-up, no bank logins, no cloud. Your budget lives on your device and backs up to a file you control. We can't see your data, so we can't lose it, leak it, or sell it.

Learn more in the help docs
The method

The set-aside method

One habit, every payday: move the money for your upcoming bills into a separate bills account, so it is already sitting there when each bill lands. EachPayday does the maths and keeps score.

Join the waitlist Read the full guide

Every bill becomes a per-payday amount

  • Power, $130 a month $60.00 a fortnight
  • Rego, $1,200 a year $46.15 a fortnight
  • Streaming, $15.99 a month $7.38 a fortnight

EachPayday converts every bill this way, whatever its billing cycle, then adds them up into one number to move each payday. Paid weekly or monthly? The same maths follows your cycle.

Step 1

Payday

Your pay lands in your everyday account, and EachPayday shows this cycle's checklist.

Step 2

Set aside

Move the set-aside amount to your bills account in your banking app and tick it off. Every debit until next payday is now covered.

Step 3

Yours

What's left is clearly yours: spend it, or move some to your savings goals.

Everything for the fortnight, in one place

Each payday

Payday checklist

Each payday, a simple list: what to set aside, what to move to your bills account, what's yours. Tick as you go.

Learn more about the payday checklist in the help docs
Bills

Bills account tracker

See the lowest your bills balance will dip before next payday, and exactly how much to top up so nothing bounces.

Learn more about the bills account tracker in the help docs
Surplus

Surplus, tracked honestly

What's actually left once every bill is covered, with spending logged by category.

Learn more about surplus tracking in the help docs
Savings

Piggy bank with goals

Set money aside from your surplus toward goals, and watch each one fill.

Learn more about piggy bank goals in the help docs
Insights

Trends and health

A budget health score, your surplus over time, and where the money goes.

Learn more about trends and budget health in the help docs
Personalise

Make it yours

Seven accent colours plus light and dark themes, picked in Settings and saved on your device.

Learn more about themes and accent colours in the help docs

How it works

Step 1

Tell it your payday and your bills

Two minutes, no account. Pick your pay cycle, add your income and regular expenses.

The setup wizard's pay cycle screen: weekly, fortnightly or monthly, and your next payday. The setup wizard's pay cycle screen in dark mode: weekly, fortnightly or monthly, and your next payday.
Step 2

Follow your payday checklist

Each payday: set aside, transfer, done. The app does the maths for every bill, whatever its billing cycle.

The fortnight checklist: rent and car loan as per-payday amounts, ticked off as they are set aside. The fortnight checklist in dark mode: rent and car loan as per-payday amounts, ticked off as they are set aside.
Step 3

Watch every cycle close covered

See every direct debit covered until next payday, and the surplus that's actually yours.

The next fortnight, already covered on fixed income alone, with income and obligations totals. The next fortnight in dark mode, already covered on fixed income alone, with income and obligations totals.
Every device

Yours on every device

Install EachPayday on your iPhone, Android, or desktop. Add it to your home screen and it runs like a native app, fully offline. Your budget stays on the device and moves with you through your own backup file.

Learn more in the help docs
EachPayday running on an iPhone, showing a fortnight's budget with a green 'You're covered' panel. EachPayday running on an iPhone in dark mode, showing a fortnight's budget with a green 'You're covered' panel.
EachPayday running on a MacBook, showing a fortnight's budget with a green 'You're covered' panel. EachPayday running on a MacBook in dark mode, showing a fortnight's budget with a green 'You're covered' panel.
Pricing

Buy once. Yours for good.

AU$29.99 launch price AU$49.99

Waitlist members get the launch price. No subscription, no renewal, and all 1.x updates free. If money's genuinely tight, the launch price stays available permanently as an honour-based concession, no proof required.

Join the waitlistTry the demo
FAQ

Fair questions

What is the set-aside method?

One habit: every payday, move the money for your upcoming bills into a separate bills account so it is there when each bill lands, and what remains in your everyday account is clearly yours. EachPayday turns every bill into a per-payday amount, gives you the checklist, and tracks that every debit is covered. See the method section above or the full guide, The set-aside method.

No bank sync? Really?

Deliberate. Bank feeds mean granting a fintech ongoing access to your transactions and having your data stored on someone's servers. EachPayday needs neither. It works from your pay cycle and your bills, which you already know. Nothing to breach, nothing to sell, and it works offline. More detail: Privacy, and why there is no bank sync.

How is a one-time price sustainable?

All 1.x updates are free and the app has near-zero running costs by design: there are no servers holding your data. If we ever build a major v2, it'll be an optional paid upgrade and your version keeps working. We'd rather earn your money once honestly than rent you your own budget. Every update is listed at What's new.

I'm not paid fortnightly. Does it still work?

Yes. Fortnightly-first, not fortnightly-only: weekly and monthly pay are fully supported, and every label, checklist, and calculation follows your cycle. You can even switch later: Changing your pay frequency.

I'm on Centrelink payments. Is this for me?

Very much. Centrelink pays fortnightly, and EachPayday is built around exactly that rhythm: what to set aside this fortnight so every bill is covered before the next payment.

I'm not in Australia. Can I still use it?

Yes. EachPayday is made in Australia and priced in Australian dollars, but nothing about it is Australia-only: weekly, fortnightly and monthly pay work the same everywhere, and you can pick your currency and date format in Settings. The set-aside method only needs a bank that lets you hold a second account.

If my data is only on my device, what if I lose my phone?

The app prompts a one-tap backup file each pay cycle, a file you keep wherever you like. Restoring on a new device takes seconds. Your data, your device, your backups. Full detail: Backing up and restoring your data.

What devices does it run on?

iPhone, Android, and desktop. EachPayday is an installable web app (PWA): add it to your home screen and it works like a native app, including offline. How that works across devices: Using EachPayday on more than one device.

Can I try before buying?

Yes. The app ships with a full demo mode using sample data, free and unlimited, no sign-up. Buying unlocks using your own numbers. What to expect first: Getting started.

I already have money set aside. Can I switch to this?

Yes. During setup you can enter starting balances for your bills and savings accounts, and how much you have already put toward each goal, so the dashboard matches your real bank from day one. Setup happens before your next payday, so EachPayday shows you a preview and starts on the day you are actually paid, keeping your first cycle clean. The detail: The set-aside method.

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