Finally know what's safe to spend before each paycheck lands. Map bills, track credit cards, and build sinking funds—all tied to your pay schedule.
Monthly budgets ignore how your money actually arrives—in paychecks. Bills don't care about your budget categories. They care about timing.
When rent, insurance, and a credit card payment all hit the same paycheck, budgets don't warn you.
Credit card spending today creates obligations weeks from now. Monthly budgets lose track.
A monthly surplus means nothing if your next paycheck is already spoken for.
Three simple steps to clarity.
Sign up and set up your household profile. Your data is private and belongs only to you.
Add bills, credit cards, and sinking funds. We assign each one to the right paycheck.
Instantly see how much cash is truly available after every obligation is accounted for.
One system for your income, all your bills, and every paycheck.
Not a budgeting app. A household cash-flow operating system.
Know exactly what you can spend right now without affecting upcoming bills or payments.
See when multiple large bills hit the same paycheck and plan ahead.
Every paycheck shows income, obligations, and remaining cash at a glance.
Turn vacations and big expenses into manageable per-paycheck contributions.
See how today's spending affects future paycheck obligations.
Know how many days you're financially safe before the next tight window.
Real households using SpendIQ to take control of their finances.
"I finally stopped overdrafting. Knowing exactly what's safe to spend before each paycheck changed everything for me."
"We used to fight about money constantly. Now we both look at SpendIQ and we're always on the same page. Game changer."
"My income is irregular, so monthly budgets never worked. SpendIQ's paycheck model finally makes sense for how I actually get paid."
"I set up sinking funds for vacation and car repairs. No more surprise expenses — I've been saving for them all along."
"The bill collision warnings alone saved us from two overdrafts in the first month. Worth every minute of setup."
"I didn't know what a sinking fund was before this app. Now I'm actually building financial security for the first time."
Create your free account and start planning by paycheck today.
Free during beta. Paid plans coming soon for advanced features.