2027 Paycheck & Budget Planner open on a laptop on a wooden desk with a plant, a coffee cup, a notebook and coins. The dashboard shows $15,594 kept so far in 2027, a 44% savings rate and the next paycheck of $1,860. An inset photo shows the paycheck planner on a phone held in one hand. Badges: instant download, works offline, no monthly fees, singles or couples.

Eight tools: paycheck planner, monthly budget, bills calendar, quick-add spending with CSV import, sinking funds, debt payoff, net worth and dashboard. A photo strip below shows the monthly budget open on a laptop on a wooden desk.

Paycheck planner columns for May 2027 paychecks from two earners, each listing the bills it pays, a savings transfer and the amount left to spend. A move dialog lists other paychecks with what's left after moving. Callouts: auto-assigned, drag to move, left to spend, see the impact. Chips: weekly, biweekly, semi-monthly, monthly, irregular, couples split bills.

Dashboard with $15,594.35 kept so far in 2027, income and spending chart, a next paycheck card with bills and left to spend, upcoming bills with paid checkboxes, savings goals progress, insights and a where-the-money-goes donut chart.

Monthly budget in two modes: 50/30/20 cards for needs, wants and savings and debt, and a zero-based list of categories with planned, spent and left amounts and progress bars, plus a $912.82 left to assign card with send to savings and extra debt payment buttons.

A CSV import dialog with column mapping, date format, sign rule, skipped paycheck deposit and guessed categories, and a photo of a phone in a hand showing the quick add transaction screen with category chips. Bullets list quick add, CSV import, auto-detection, duplicate skipping and category guessing.

A May 2027 bills calendar with paydays and bills marked paid, a monthly bill list with checkboxes, and sinking fund cards for an emergency fund, a Lisbon trip and car maintenance with progress rings and add money buttons.

Debt payoff summary with total debt $33,530, monthly payment $939, an estimated debt-free date of Sep 2030 and estimated interest, a balance over time chart compared with no extra payment, an avalanche or snowball plan with $200 extra per month, and a net worth by month bar chart. Note: simple estimates, not financial advice.

Two photos: the app in the dark Midnight theme on a laptop on a wooden desk, and the dashboard on a phone held in one hand. Headline: on your laptop or phone. Theme chips: Indigo Mint, Emerald, Blush, Sand, Midnight.

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Lifestyle scenes are AI-generated. App screens are real, with fictional sample data.

Payday Planner

Planners · Offline web app

2027 Paycheck & Budget Planner

Name: 2027 Paycheck & Budget Planner
Brand: Kitly Apps
Price: 18.99 USD
Availability: InStock

Plan every 2027 paycheck in one private, offline app: your paydays, the bills each paycheck pays, a monthly budget, spending, sinking funds, debt payoff and net worth.

$18.99One-time purchase · no subscription

Instant download

Right after payment

Works offline

After the first visit

No subscription

Pay once

Private

Stays on your device

Includes the hosted web app, a downloadable offline copy (2027-Paycheck-Budget-Planner.html), the Quick-Start Guide (PDF) and a personal license.

What it is

Payday Planner is a 2027 Paycheck & Budget Planner that runs in your web browser. It's made for anyone who budgets by paycheck: weekly, biweekly, twice a month, monthly or irregular pay, on your own or as a couple. It's a single file. It works offline, updates every total instantly and saves your work automatically.

15-second tour

See it in action.

Recorded from the real app with sample data. No sound.

Inside the app

Everything it does, in detail.

Every feature listed here is in the app today.

01 · PAYCHECK PLANNER

Set up in about a minute: how often you're paid, your take-home amount and your next payday
Every 2027 paycheck is generated for you (e.g. 26 biweekly or 24 semi-monthly paychecks)
Each bill lands automatically on the last paycheck before its due date, with an optional safety buffer of a few days
See "left to spend" for every paycheck after bills and your savings transfer
Drag a bill to another paycheck, or tap → on a phone to pick one and see what's left before you move it
Edit a single paycheck for a bonus, overtime or a short check
Year view with every paycheck, and a printable year plan
Paydays on a weekend can move to the Friday before

02 · COUPLES MODE

Add a second earner with their own pay schedule
Split joint bills by income share, 50/50 or a custom %, or pool your pay so joint bills come from whichever paycheck lands before the due date
Personal bills stay on the paycheck of the person who pays them

03 · MONTHLY BUDGET

Zero-based mode: give every dollar a job and send what's left to savings or an extra debt payment in one click
50/30/20 mode: needs, wants and savings & debt compared with your income
Income vs planned vs actual for every category, every month
Planned amounts start from your category budgets plus that month's bills, and you can edit any month

04 · SPENDING & BILLS

Phone-friendly quick add: amount, category chip, payee, done ("Save & add another" for a stack of receipts)
CSV import from your bank: choose the columns, date format and sign rule. Duplicates, other years and paycheck deposits are skipped, and categories are guessed from the description
CSV export of the year's transactions
Bills calendar with paydays and paid checkboxes. Ticking a bill paid records the spending for you
Recurring bills: monthly, weekly, every 2 weeks, quarterly, every 6 months, yearly or one time

05 · SAVINGS, DEBT & NET WORTH

Sinking funds and savings goals with progress bars and "save this much per month" to reach the date
Debt payoff: snowball or avalanche, plus an extra monthly amount. It shows an estimated debt-free date, the interest and how much sooner you'd finish than with minimums only
Net worth by month: assets, debts and a chart, with "copy previous month"

06 · DASHBOARD

Kept so far this year, YTD income, spending and savings rate
Next paycheck with its bills and left to spend
Income vs spending chart, "where the money goes" donut, upcoming bills, goals, budget and debt snapshot

07 · EXTRAS

5 colour themes, Indigo Mint, Emerald, Blush, Sand and Midnight (dark), plus accent colours
27 currencies
Search everything with Ctrl/Cmd + K
Print any page or save it as a PDF
Backup & Restore to a single file
Sample household to explore first, then clear it with one click

What's included

Includes the hosted web app, a downloadable offline copy (2027-Paycheck-Budget-Planner.html), the Quick-Start Guide (PDF) and a personal license.

Compatibility

Tested in Google Chrome on desktop and phone-size screens; installs to iPhone Home Screen from Safari.

Your data is saved in the browser on each device; use Backup & Restore to move it.

FAQ

Good questions.

I'm paid every two weeks. Does it handle the months with three paychecks?+

Yes. Every real 2027 payday is generated, so the 3-paycheck months show up automatically.

Can I see your data? Is it uploaded?+

No. Everything stays in your browser on your device. Nothing is sent to me or anywhere else.

Does it work on my iPhone?+

Yes, use the hosted version. After you buy, open your private app link in Safari and tap Share, then Add to Home Screen. It opens full screen and works offline after the first visit. We test in Google Chrome, including phone-size screens. If anything doesn't work on your device, message us.

What do I get after paying?+

A private link to the hosted app, plus a ZIP download with 2027-Paycheck-Budget-Planner.html (the offline file), the Quick-Start Guide (PDF) and the license.

Does my data sync between devices?+

No. Each device keeps its own data in the browser. Use Backup & Restore inside the app to move it to another device.