Break the Paycheck-to-Paycheck Cycle with Income-First Budgeting.
Take control of your finances by budgeting around your income, not your bills.
From anywhere.
Free forever. No credit card required. Start budgeting in minutes.
Budgeting With a Twist™
Experience a new approach to budgeting that works around your income, not against it.
Income-First Planning
Build budgets around when you get paid, not arbitrary months.
Zero-Based Budgeting
Every dollar has a purpose with our intelligent budget planner.
Smart Tracking
Real-time expense tracking with bank sync capabilities.
Custom Categories
Tailor your budget to fit your unique lifestyle and goals.
Discover how Budgetocity can transform your financial planning
Unlock Powerful Tools for Better Budgeting
Take your budgeting to the next level with our premium tools. Get exclusive features designed to give you more control over your finances and help you achieve your financial goals faster.
Share Your Budget
Collaborate with family, friends, or financial advisors by sharing your budget in real time. Perfect for households or joint finances.
Tag and Organize Transactions
Stay organized by tagging your expenses and categorizing them easily. With our intuitive system, quickly group your spending and identify areas for improvement.
AI Budget Assistant
Use AI to quickly find your transactions in seconds. The AI-powered tool scans your spending, helping you effortlessly track purchases and identify spending patterns.
Create Savings Goals
Set and track your savings goals with ease. Whether it's for an emergency fund, vacation, or major purchase, our tool helps you stay focused and motivated.
Ready to upgrade your budgeting experience?
Unlock all premium features for just $4.99/month and take full control of your finances.
Budgetocity Plans
Pricing that fits your budget
Premium
$4.99/month
- Create Your Plan
- Build Your Budget
- Track Spending
- Customize Categories
- Create Savings Plans
- Advanced Transaction Search
- Tag/Organize Transactions
Latest Post
How to Stop Living Paycheck to Paycheck Without Making More Money
Many people believe the only way to stop living paycheck to paycheck is to earn more. But the real problem is timing, not income. Learn how to break the cycle by changing how you budget and plan.
Learning Track
Paycheck-to-Paycheck Basics
A step-by-step learning track to budget by paycheck, stop the scramble, and build steady control over your money.
Built for U.S. pay cycles where rent, utilities, and everyday costs hit between weekly or bi-weekly paychecks.
Step 1
How to Budget When You Live Paycheck to Paycheck
Most budgeting advice wasn't made for people who use every dollar they earn. Learn how to budget paycheck to paycheck with a method that focuses on paydays, not months, and real life timing, not perfect plans.
Step 2
Bi-weekly Paycheck Budgeting for Beginners
Getting paid bi-weekly doesn't have to be stressful. Learn how to budget one paycheck at a time and take control of your money with this simple bi-weekly paycheck budgeting guide.
Step 3
Why Monthly Budgeting Fails for Bi-Weekly Pay (And How 4-Week Cycles Fix Everything)
The entire concept of 'extra paychecks' is proof that monthly budgeting is broken for bi-weekly earners. Learn how 4-week budgeting cycles eliminate this problem forever.
Paycheck Budgeting FAQs
What is paycheck-to-paycheck budgeting?
It is a method that plans money by paycheck, assigning bills to the paycheck that must cover them so you always know what is safe to spend before the next payday.
How do I start budgeting when I live paycheck to paycheck?
List bills by due date, match each bill to your next paycheck, and keep a small buffer in your account so timing does not derail you.
What should I do with an extra paycheck?
Plan it ahead of time. Use it to get ahead on bills, build a buffer, or pay down debt instead of spending it by default.
Why Do You Budget?
Select your financial goal and discover how Budgetocity can help you achieve it. We'll show you relevant features, tips, and resources tailored to your situation.
Not sure which applies to you? Start with our free plan and explore at your own pace.
Get Started FreeBudgetocity Users Love Us!
“I have had this app for over a year now, and I have no regretted using it at all. It had a very easy interface to use, and it has truly helped me budget. Highly recommend this app!”
“This budgeting app rules. I'm able to see what expenses are coming up and I can successfully prepare for the future!”
“Budgetocity has transformed the way I manage my money. The app is intuitive, and the budgeting tips are a game-changer for staying on track!”
“I'm pretty sure I've tried every app but this is the most effective and customizable budget app out there.”
“I've tried several budgeting apps, but none compare to Budgetocity. It's easy to use, and I finally feel in control of my finances!”
“Budgetocity makes budgeting simple and stress-free. I love the custom categories and the clear visual breakdowns of my spending!”
Ready to Take Control of Your Finances?
Join thousands of people who are already using Budgetocity to manage their money better and achieve their financial goals. Get started for free in less than 2 minutes.
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Why Choose Budgetocity?
Smart Budget Planning
Our AI-powered system helps you create and maintain realistic budgets based on your income and goals.
Real-time Tracking
Monitor your spending in real-time and get instant insights into your financial habits.
Secure & Private
Bank-level security ensures your financial data is always protected and private.
Sync Across Devices
Access your budget from anywhere with our mobile and web apps.