Paycheck Budget App: Plan Bills by Paycheck in Your Browser, Offline, No Spreadsheet, No Subscription

Paycheck Budget is a budget app for anyone who plans money one paycheck at a time.

Setup in three short screens, no spreadsheet formulas to break, no Google or Excel account. It opens in your browser and works offline; Chrome or Edge recommended.

What it does

• Setup in three short screens: your pay and next payday, the bills that repeat, then plan or track. Each screen says what to enter.
• Plan mode: paychecks and bills only. No logging of every coffee.
• Plan and track: tap + Spend, type the amount, tap a category. Today shows one number, safe to spend today, counted line by line.
• Paychecks: the next six, each with its bills, debt minimums and savings.
• Calendar: paydays, bills and spending by day, and the month at a glance.
• Debt: a payoff date by avalanche or snowball, and the total interest under each.
• Savings goals, other income, and six spending categories you can rename.
• Undo after every entry, edit and delete. Light, white or dark theme.
• A weekly check of bills and backup, plus spending and balance if you track. No streaks to keep.

What you get

• Paycheck-Budget-Yvoo.html: the app, one file
• Paycheck-Budget-Quick-Start.pdf: a two-page guide to the screens

Your data

Your numbers are stored in your browser on that computer, nowhere else. Clearing browsing data erases them. The app has a Download a backup button and reminds you once a week. A backup file restores everything, in the same browser or another one.

Good to know

• Digital download. Nothing is shipped.
• Any of these currencies: USD, EUR, GBP, CAD, AUD, NZD, CHF.
• A planning tool, not financial advice.
• For personal use. Please do not share or resell the file.
• Built with the help of AI tools, then tested and reviewed before release.

FAQ