Beyond Payday

Beyond Payday is a household money and retirement planner for US families, built in South Florida. Founder Shane Stebner gave up on finance apps because the bank connections broke constantly and transactions landed in odd categories, so Shane ran the household's money from a spreadsheet for 15 years. Beyond Payday is that spreadsheet, rebuilt as an app: you enter your income, bills, debts, and savings yourself (no bank feed to babysit), and it shows what's left each month, your net worth, and whether your retirement plan works. Test what-if scenarios like buying a house or losing an income, find bills you could cut or negotiate down, compare debt payoff plans (avalanche vs. snowball), see how long your money would last if your paycheck stopped, and share the plan with your spouse, with limited access for kids. Pro adds year-by-year retirement projections with Social Security and pensions, side-business tracking, and Beth, an AI assistant that answers questions about your own numbers. Free plan with no time limit.