Paycheck Survivor

You already know the feeling. Payday hits, and before you've even sat down, your brain is doing math — rent, the light bill, gas, groceries, whatever's due this week — trying to figure out if you'll make it to the next check without something bouncing. Paycheck Survivor was built for exactly that moment. For people managing just enough money.

See your money before it moves.
Enter your paycheck and your bills once, and Paycheck Survivor tells you — in plain language, not a spreadsheet — whether each bucket of money is Safe, Close, or Short. No guessing. No mental math at 11pm. Just an honest answer: is this covered, or isn't it?

Catch timing risks before they cost you.
Most budget apps only check whether your bills and paycheck add up over the month. Paycheck Survivor checks the actual dates too — a bill can be scheduled to draft before the paycheck meant to cover it lands, even when totals look fine on paper. Catch that timing risk before a bill drafts, so you have time to move money or adjust.

Built around real paychecks.
Track your paycheck and bills the way you're actually paid. Plus disburses your paycheck straight into your real accounts on payday, with a heads-up the day before, and unlocks a second paycheck tracked separately for two-income households or side income.

Negotiate your bills like someone's coaching you through the call. (Plus)
Electric, gas, water, internet, phone, credit cards, car loans, medical bills, insurance — Plus gives you a ready-to-read negotiation script for each one, including real assistance programs like the Lifeline discount for phone and internet. You're not guessing what to say — you're reading it.

Find the money you're already leaking.
The Hidden Bills Checklist walks you through where small recurring charges hide — bank and credit card statements, Apple, Google Play, Amazon, Buy Now Pay Later apps. Cut & Replace shows free alternatives for subscriptions you let go.

Nothing about this app is designed to embarrass you.
Senior/Elder Mode makes text meaningfully larger. Available in English and Spanish. Dark mode comes on by default. Every screen has a permanent Guide button with real, contextual help.

Demo Mode lets you watch every feature fire live with example numbers before you type in a real bill.

More than just the app.
Settings also links to free articles with real ideas for living paycheck to paycheck — not financial advice, just what's worked for others.

Your information stays yours.
Your bill, paycheck, and budget details stay on your device. Paycheck Survivor never connects to your bank, requires no account or login, and does not sell your in-app financial information. Basic includes ads; the ad provider may collect limited device data. Plus removes ads.

Free to start. One-time price to go further.
Basic is free: track up to 7 bills and one paycheck, see which are negotiable — $0 to start. Plus is a one-time $14.99 purchase — yours forever, no recurring fee — and unlocks up to 20 bills, a second paycheck, full negotiation scripts, a Survival Plan PDF export (4/month) or instant on-screen Quick View for a landlord or creditor, push-notification bill reminders, and the complete Hidden Bills Checklist. Plus is ad-free.

And when things are genuinely tight, help isn't buried.
Plus also unlocks Help Near Me — starting with 211, which connects you to real, immediate help close to home (utility bills and more), plus Feeding America, HUD, and NFCC. These aren't ours — they're the real organizations people already trust, and each one guides you to what's actually available in your own area. It's not the main point of this app. It's just there, quietly, for the weeks when Short shows up and you need more than a warning.

Paycheck Survivor isn't trying to make you rich. It's trying to make sure you know — every single check — exactly where you stand.