Wizard Mode walks you through every step. Quick Mode shows every section on one page — faster for returning users.
2 min read
Payday Audit has two views of the same budget. Toggle between them from the header.
Step-by-step, one section at a time, with sidebars that react to your inputs. Best for first-time users, or when you want to think through each decision carefully.
Every section collapsed into one scrolling page. Best when you're rolling over last month's budget and only need to tweak a few numbers. You can see the full picture at once.
Good to know
Quick Mode isn't a "lite" version — the data and calculations are identical. It's just a different layout.
Smart Allocate auto-distributes your remaining income across priorities using a waterfall — emergency fund → debt → investments → lifestyle.
Start your next income deposit from the shape of your last one. "Start from last" copies all your recurring numbers so you only update what changed.
The /goals page is a standalone tracker for saving goals, debt payoff targets, and investment milestones. Goals surface as pills in the Finish Line step.