Payday Audit is a zero-sum budgeting wizard. You plan each income deposit until the "Left to assign" counter hits $0 — meaning every dollar has a job.
3 min read
The app is built around one rule: your income minus your allocations must equal zero before the money lands in your account. The sticky header at the top of the wizard shows the running "Left to assign" counter — it turns lime when you hit $0.
When you reach the Finish Line, anything still unassigned can be split automatically with Smart Allocate, or you can place it manually. Saving the budget stores it in the cloud so you can roll it forward next income deposit.
Tip
First-time users: give it the full 15 minutes. After that, "Start from last" on the dashboard copies everything and you only adjust what changed.