Budgets

A budget that works the way you get paid

Most budgets assume you’re paid on the first of the month. Pennyjay lets you budget by category, with one flexible number, or from paycheck to paycheck, and shows how you’re pacing every day.

Budget screen for September 2026: $1,014 left of $9,380, income $9,675, spent $8,366, and $253.46 left to spend per day

Activity screen: today’s transactions with categories, accounts and pending labels, and filters for needs review, uncategorized and pending

How it works

Pick a style
Category budgets for detail, a Flex budget for one simple number, or a Paycheck budget that runs from one payday to the next.
Let the transactions sort themselves
Rules and known merchants categorize new spending. Review a week of it in a minute: swipe right if it looks good, left to change it.
Check your pace
Pace markers show where you should be today, and you see what’s left to spend per day for the rest of the period.

The details

Paycheck budgets

Budgets can follow your pay: every two weeks or twice a month.

Rollovers

Turn on rollover for a category and what you didn’t spend carries into the next period.

Rules you can read

Plain-language rules rename, categorize, tag and flag transactions. Every automatic category shows why it was picked, and your edits are never overwritten.

Over budget, stated plainly

Over-budget categories say so in words and with hatching, not just red. Spending itself is never shown as an error.

Questions

Which budgeting method does Pennyjay use?

Your choice: category budgets, a single flexible budget, or a paycheck-to-paycheck budget.

Can I budget around a biweekly paycheck?

Yes. Paycheck budgets can run every two weeks or twice a month.

Does unspent money roll over?

If you want it to. Turn on rollover for a category and leftover money carries forward to the next period.

Be first in the nest

Pennyjay is coming to iPhone and Android. Leave your email and we’ll tell you when you can download it.