For iPhone · coming soon to the App Store

Budget by paycheck, not by month.

Budgeting for overspenders. BudgetGem plans your money one paycheck at a time, so you can see what’s due before your next payday and spend on purpose.

Tell me the day it’s liveSee inside

One email, the day the app is live. Try it free for 7 days.

BudgetGem home screen showing what is still to pay this pay period, with bills due soonest first

Why do you run out of money before payday?

Most budgeting apps assume one paycheck a month. If you’re paid every two weeks, every week, or on a schedule that shifts, a monthly budget never lines up. Rent is due on the 1st, your check lands on the 9th, and one paycheck covers half your bills while the next covers almost none.

BudgetGem puts every bill on the paycheck it actually comes out of. You see what each check has to cover, what’s left, and you give every leftover dollar a job.

See inside

A first look at BudgetGem. Screens shown with sample data.

This paycheck’s plan in BudgetGem, with every dollar given a job
Give every dollar a jobPlan each paycheck until there’s nothing left unplanned.
BudgetGem pay periods list showing how much is left to budget on each paycheck
See your whole year of paychecksEvery bill sits on the paycheck it comes out of, so there are no surprises.
BudgetGem calendar showing paydays and bills due
Paydays and due datesA calendar of what’s due and when your next check lands.
BudgetGem debt tracker with an estimated debt-free date and payoff order
Your debt-free dateSee your payoff order and watch the date move closer.
BudgetGem Should I buy it screen that lets a purchase wait before you decide
Should I buy it?Let wants wait a few days before you decide.
BudgetGem vision board with pictures of what you are saving for
Your picture, your reasonKeep what you’re working toward in front of you.

What BudgetGem does

Everything you need to plan a paycheck, nothing you have to hand over your bank login for.

Plan many paychecks ahead

See far out, not one check at a time. BudgetGem builds your pay periods to match how you’re paid.

Bill timeline

See which bills land before your next paycheck and which wait for the one after, with each payday marked.

Give every dollar a job

Assign what’s left after bills to the things that matter, until nothing is left unplanned.

Should I buy it?

Before you spend, see the price in hours of work, add it to a wish list, and let it wait. Impulse buys get a second look.

Debt tracker

Log payments, see your payoff order, and watch your estimated debt-free date move closer.

Emergency fund

Track your cushion and see when you’ll reach your goal at the amount you set aside each paycheck.

See where it went

A spending list grouped by category, with dates and notes, so “where did it go?” has an answer.

Your picture, your reason

Put a photo of what you’re working toward on your Home screen, so the plan stays personal.

Set up in a few minutes

No account to link and no bank login to hand over.

1

Tell it how you’re paid

Weekly, every two weeks, twice a month or monthly.

2

Add paychecks and bills

Enter each bill and its due date once.

3

Spend on purpose

See what each paycheck covers and what’s left to plan.

Who it’s for

  • People paid every two weeks or every week
  • Overspenders who want to see what’s safe to spend before they swipe
  • Anyone paying down debt who wants a clear payoff order
  • Families juggling more bills than paychecks

Why I built it

Nothing worked for how my family actually gets paid. Every app assumed one paycheck a month, but our money comes in every other week and the bills don’t care about the calendar. I wanted to see what was due before my next paycheck and what was safe to spend. So I built it for us first, and my family has run their money through it every payday since.

Try it free for 7 days.

Then choose a plan. Billed through the App Store, and you can cancel anytime in your App Store subscription settings.

$59.99per year
$7.99per month

Join the list and get one email, the day the app is live.

Questions

When is it available?

Soon. BudgetGem is headed to the App Store. Join the list and I’ll email you once, the day it’s live.

Does it connect to my bank?

No, on purpose. You enter your paychecks and bills yourself. It takes a few minutes each payday, and it keeps you in the habit of actually looking at your money.

I’m paid weekly, twice a month or irregularly. Will it work for me?

Yes. You choose how often you’re paid, and BudgetGem builds your pay periods to match.

How does the free trial work?

You get 7 days to use BudgetGem free. After that it’s $59.99 per year or $7.99 per month, whichever plan you pick. You can cancel anytime in your App Store subscription settings.

Is there a computer version?

Yes. A one-time-purchase version for Mac and PC is available today. See the computer version.

BudgetGem is a budgeting and tracking tool for personal use. It isn’t financial, tax, investment or legal advice, and it doesn’t connect to any bank. Debt-free dates and other projections are estimates based on what you enter. Screens shown with sample data.