PayDream

Build a clearer plan for the life you want.

PayDream brings your income, spending, recurring payments, and savings goals together in one simple planning experience. See what remains each month, understand how quickly you can reach your goals, and explore changes before applying them to your plan.

Plan your month:
Enter your monthly income and organize spending into categories that reflect your real life. PayDream calculates your estimated monthly reserve and savings rate so you can understand where you stand.

Turn dreams into goals:
Create savings goals, choose target dates, record contributions, and follow your progress over time. PayDream shows how your available monthly reserve can help move each goal forward.

See your life plan:
View your goals together on a chronological timeline. Understand which goals are approaching, how they fit together, and what your current plan could accomplish.

Explore before making changes:
Use the Make It Happen simulator to test different income, spending, and savings scenarios. Nothing changes in your actual plan unless you choose to apply it.

Stay organized:
Track recurring payments, customize spending categories, receive optional payday and milestone reminders, and keep selected goals visible with supported home-screen widgets.

Plan together:
Invite trusted people to participate in shared savings goals, record contributions, and follow progress together.

Your information stays under your control:
PayDream does not connect to your bank, move money, hold funds, or execute payments. You can review your information, export your account data, and permanently delete your account from the app.

PayDream provides budgeting and lifestyle-planning estimates based on the information you enter. It does not provide financial, investment, tax, accounting, or legal advice.