The average household wastes $5,400/year on money they can't account for. Payday Audit pays for itself in the first week.
Still 50-70% less than YNAB, Monarch, or EveryDollar.
One payment. Full Pro features forever. No subscription, no recurring charges.
Available for new users only. This offer may be removed at any time.
The full budgeting wizard, completely free. No credit card required.
$0
Budget summary, financial health analysis, and export tools to take your plan everywhere.
$4/mo
$49 billed yearly
Less than one coffee a week
Budget together with your partner or household. Couples who budget together save 2x more.
$7/mo
$89 billed yearly
Less than a single date night
| Feature | Free | Pro | Team |
|---|---|---|---|
| Budgets | Unlimited | Unlimited | Unlimited |
| Wizard steps | 12 steps | All 13 steps | All 13 steps |
| Debt payoff projections | |||
| Investment calculator | |||
| Emergency fund planner | |||
| Smart Allocate | |||
| Budget rollover | |||
| Quick Mode | |||
| Budget Summary dashboard | — | ||
| 50/30/20 health analysis | — | ||
| PDF, Excel & CSV export | — | ||
| Financial goals | — | ||
| Net worth tracker | — | ||
| Month-over-month trends | — | ||
| Annual overview | — | ||
| Shared budgets | — | — | |
| Invite your household | — | — | |
| Priority support | — |
The average zero-sum budgeter finds $200-500/month in money they were losing to lifestyle creep, forgotten subscriptions, and unoptimized debt payments. Payday Audit includes a debt-free date calculator, investment projections, and Smart Allocate: tools that financial advisors charge $200+/hour for. At $5/month, you get your money back many times over.
The Free plan gives you the full 12-step budgeting wizard: unlimited budgets, debt payoff projections, investment calculator, emergency fund planner, Smart Allocate, Quick Mode, and budget rollover. Everything you need to build and manage your zero-sum budget.
Pro adds the Budget Summary dashboard with 50/30/20 financial health analysis, PDF/Excel/CSV export, financial goal tracking, net worth tracker, month-over-month trends, and annual overview. It's the reporting and insights layer on top of the free budgeting tools.
Payday Audit is purpose-built for income-by-income zero-sum budgeting. Instead of tracking where money went, we tell you where every dollar should go before you spend it. Our 13-step wizard guides you through a proven financial priority order (survive → protect → grow) that other apps leave you to figure out yourself. And we're 50-70% cheaper.
Your existing budgets and data are never deleted. On the Free plan you keep the full wizard and unlimited budgets. You just lose access to the summary dashboard and export tools. Upgrade again anytime to pick up right where you left off.
Yes. No contracts, no cancellation fees. Cancel from your account settings or the Stripe billing portal. Your plan stays active until the end of the billing period.
Team is built for couples and families who manage money together. Create shared budgets and invite your partner into the same budgeting workspace. Research shows couples who budget together save twice as much. At $9/month total (not per person), it's less than a single date night.
Payments are processed by Stripe, the same platform used by Amazon, Google, and Shopify. We never see or store your card details.