Enoughly: Paycheck Budget

Know what's actually safe to spend.

Most budgeting apps think in calendar months. Your money doesn't — it arrives by paycheck and leaves through bills. Enoughly is built around that reality: one honest number tells you what's truly spendable after the bills due before your next payday, with a safety net you never touch.

ONE PURCHASE. NO SUBSCRIPTION. NO BANK LINKING.
Enoughly is free to try for 14 days, then a single one-time purchase unlocks it forever on Mac, iPhone and iPad, with Family Sharing. It never asks for your bank credentials — import your bank's CSV, QFX, or OFX files instead. There are no servers, no accounts, and no analytics: your data lives on your devices and syncs through your own iCloud. The privacy label says "Data Not Collected" because that's how it's built.

SAFE TO SPEND
• Liquid cash − bills due before payday − your safety net = one glanceable number
• On the Dashboard, in the Mac menu bar, and in home-screen and Lock Screen widgets
• A Discreet widget option shows your status with no dollar amounts at all

PAYCHECK-ENVELOPE BUDGETS
• Give each category an allowance that refills every payday
• Build envelopes automatically from your real spending history
• See what's left in every envelope, and what's leaking outside them

BRING IN YOUR TRANSACTIONS
• Import the CSV, QFX, or OFX files your bank already offers
• Automatic categorization, custom rules, and duplicate detection

GET OUT OF DEBT
• Snowball and avalanche payoff plans with dates and interest saved
• A printable per-payday payment plan
• What-if simulator: see how financing a car or making a lump-sum payment moves your debt-free date — including trade-ins with negative equity

INSIGHTS THAT WATCH YOUR BACK
• Paycheck report card after every payday: what came in, where it went
• Alerts for bill spikes, possible double charges, and subscriptions that quietly raised prices
• Optional AI coaching by Apple Intelligence, in the personality of your choice — from a drill sergeant to a butler

YOUR DATA IS YOURS
• Encrypted, password-protected backups
• One-tap CSV export that opens in any spreadsheet or finance app
• Net worth tracking across cash, credit, property, vehicles, and investments

Enoughly: the paycheck-first budget for people who want one clear answer — can I afford this before payday?