Payself: Budget & Savings

Most budgeting apps ask what's left over to save. Payself turns that around: your savings and investments come off the top, and the rest of your plan is built around what remains.

Set your monthly income and Payself scales a complete starting budget to it — every category defined as a share of what you actually earn, so the plan fits whether you make 500 or 15,000 a month. Then log what you really spend and watch plan versus actual for every category.

KEY FEATURES

• Pay-yourself-first template — savings and investments are budgeted first, not last
• Plan vs actual — every category shows its target, what you really spent, and the gap
• Transactions — itemize any category into dated entries with notes, or just type a total
• Recurring entries — daily, weekly, biweekly or monthly, carried into each new month
• Cumulative goals — emergency fund and investment totals that build across every month
• Month-wide feed — every transaction, grouped by day
• Home Screen widget — your remaining balance at a glance, in three sizes
• CSV export — take your budget and transactions with you whenever you want
• 57 currencies, and full support for English, French and Arabic including right-to-left

PRIVACY

Payself has no account and makes no network connections at all. There is no server for your money data to go to — it stays on your iPhone and iPad. No ads, no analytics, no tracking, no bank login.

FREE

Free forever. No ads, no in-app purchases, no subscription.

REQUIREMENTS

iOS 17 or later. iPhone and iPad.