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Money guide

See what is safe to spend until payday

Enter your paycheck and bills. The Bill calculates a safe-to-spend figure between paydays — with no bank login on iPhone.

No bank login
Safe-to-spend
App Store next

Quick facts

The Bill calculates safe-to-spend between paydays from numbers you enter. No bank connection is part of the product story.

Question

Until payday

A spendable figure for the current pay period, not a calendar-month guess.

Math

Income + bills

Paycheck amount and frequency, plus bills and goals.

Bank login

Never

The Bill does not connect to banks.

Pay cycles

Weekly / bi-weekly

Bills align to the pay period you actually have.

Platform

iOS

Listed on the App Store as The Bill.

Payday workflow

Know the number before you spend it.

Step 1

Add the paycheck

How much you bring home and how often — weekly, bi-weekly, or another listed frequency.

Step 2

List bills in this period

Amount and due date so the urgent items land before the next payday.

Step 3

Read safe-to-spend

Income, upcoming bills, and goals become one figure for the days you still have.

Step 4

Keep it local

Numbers stay on-device unless you enable iCloud backup. There is no bank login step.

Until payday, not until the first of the month

Hourly and bi-weekly pay rarely match a monthly budget template. The Bill aligns bills to the pay period so safe-to-spend is the money you have before the next check, not a spreadsheet leftover.

Why there is no bank connect

The product page is explicit: we never connect to banks. Setup is slower than an import. It also never asks for institution credentials.

FAQ

Short answers to the questions people usually ask next.

What is safe-to-spend?

A figure between paydays from income, bills, and goals — what you can spend without guessing at the next paycheck.

Do I link a bank?

No. The Bill does not connect to banks. You enter the paycheck and the bills.

Does it only work on a monthly salary?

No. Weekly and bi-weekly pay are supported so bills sit in the current pay period.