Step 1 is the foundation of every calculation. Enter your net income, income frequency, and next income date so the rest of the wizard knows what it's working with.
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The Pay Details step collects three things: your net take-home income (after taxes and deductions), your income frequency (weekly, bi-weekly, semi-monthly, or monthly), and the date this income actually lands. Everything downstream — per-deposit allocations, annualised projections, benchmarks — is derived from these numbers.
Heads up
Use net pay, not gross. The app budgets the money that actually hits your account. If you enter gross, every allocation will be wrong.
Good to know
If this income includes a bonus or an extra deposit for the month, a "bonus month" banner appears. You can choose to treat the extra as a one-off windfall rather than rolling it into your typical income shape.
Tip
Getting paid bi-weekly means 26 income deposits a year, not 24. Payday Audit accounts for this automatically when it projects annual numbers.
Step 9 lets you choose Snowball or Avalanche. Both use the same monthly budget — only the order of attack differs.
The Safety Net step sets your emergency fund target and tells Payday Audit how much to allocate each income deposit.
Step 8 helps you track workplace investing and employer match amounts that are already handled before your take-home income arrives.