Paycheck-based planning

Know if you can make it to your next paycheck.
Plan bills by pay window instead of month.

Most budget apps answer "How am I doing this month?". PayFlow Engine answers the question people actually ask: "Will I run out before I get paid again?"

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Works offline. No bank connections. Your financial data stays on your machine.

Built for real paychecks, not idealized monthly budgets.

PayFlow Engine shows exactly what your next paycheck must cover.

If your hours change, tips vary, or bill timing is uneven, month-based tools hide the real risk. Rent due on the 1st and paycheck on the 3rd is where monthly budgets fail in real life. PayFlow Engine organizes obligations by pay window so you can decide spending with actual timing.

Pay Window Planning

See every bill due before the next paycheck, plus what is still safe to spend.

Forecast + Cashflow

Project balances across upcoming periods and spot shortfalls before they happen.

Private By Default

No account required, no cloud sync, no financial data sent to third parties.

How it works in 3 steps

Add income sources and paycheck frequency.
Add recurring bills and due dates.
Open each pay window to see what must be paid and what money remains.

See upcoming risk before it hits your account

Pay window screen — Pay Window: what this paycheck must cover, what is already paid, what remains.

Cashflow timeline screen — Cashflow Timeline: running projected balance and lowest point before next paycheck.

Why people use PayFlow Engine

Know exactly what each paycheck must cover.
Prevent overdrafts before they happen.
Handle multiple income schedules.
Keep financial data private.

Simple pricing

One-time purchase. No subscription. Start with a full 14-day trial and keep your data if you upgrade.

$59 one-time

Coming Soon

Includes:
- Pay window bill planning
- Forecast and cashflow timeline
- Bill/income scheduling
- Budget tracking and reports
- CSV import with duplicate review

Does this connect to my bank?

No. PayFlow Engine is local-first. You control what data enters the app.

What happens when the trial ends?

You can register and continue with your existing data. Nothing is deleted.

Is this for variable income?

Yes. Apply expected pay as actual received pay, then plan from real numbers.