Everything you need to set up your bills, track your cards, and take control of every paycheck.
Your dashboard starts empty. Tap the + button in the bottom-right corner and choose Add Bill to create your first entry.
Fill in the merchant name (who you pay), bill name, and amount. Pick the due date and how often it repeats — monthly, biweekly, weekly, or one-time.
Select which bank account or card you use to pay this bill. This lets you see totals grouped by account later.
Toggle autopay on if this bill is paid automatically. Autopay bills have a separate visual flow so you always know if manual action is needed.
Payday Pulse calculates your income per month based on how often you get paid. Head to Settings → Paycheck to configure this.
Weekly (52/year), Biweekly (26/year), Semi-monthly (1st & 15th or custom days), or Monthly.
This is your net paycheck amount (after taxes). The app multiplies this by how many paychecks land in each month.
Each monthly card shows your estimated income, total bills, and what remains. Months with extra paychecks show higher income automatically.
Every bill moves through a lifecycle. Tap on any bill to update its status. The visual indicators help you see what needs attention at a glance.
Autopay bills work differently — their flow skips "Transferred" and goes straight from unpaid to pending (waiting for auto-debit) to paid.
Some bills — like utilities, phone bills, or credit card minimums — change every month. Toggle Variable Amount when creating or editing a bill.
Turn on the "Variable Amount" toggle in the bill editor. The stored amount becomes an estimate for future month projections.
When you know the actual amount, tap the bill and enter it. The pulsing orange indicator tells you which bills still need their real amount.
The monthly carousel at the top of your dashboard shows 12 months of projected bills. Swipe or use the arrows to navigate between months.
Each month shows your estimated income, total bills, and the remaining balance. Green means you're in the clear; red means bills exceed income.
Below the carousel, you'll see every bill for the selected month — both real bills and projected future instances. Projected bills appear slightly muted.
Use this to spot tough months before they happen. If a month looks tight, you can plan to pay some bills early or set aside extra from a 3-paycheck month.
Credit cards work differently from regular bills because the amount changes each cycle. Navigate to 💳 Cards to set up tracking.
Enter the card name, statement close day, and payment due day. The app automatically creates linked bills for your minimum payment.
For each card, choose how it flows into your monthly bills: Minimum Payment, New Spend, Statement Balance, or Full Balance.
When your statement drops, update the balances. You can do this from the Cards page or via the + button's Update Card Balances action.
Record payments against each statement cycle. The card detail view shows what you've paid vs. what's remaining.
The + button in the bottom-right corner is your quick access hub. Tap it to reveal three actions:
Opens the full bill creation form.
Quick-update statement balance, current balance, and minimum payment for any card — without leaving the dashboard.
Log an additional payment toward a credit card's current statement cycle. Enter the amount and date and it's tracked instantly.