Most budgeting apps ask what is left over to save. Payself turns that around: your savings and investments come off the top, and the rest of the plan is built around what remains. Set a monthly income, let the built‑in template scale your categories to it, then log what you actually spend and watch plan‑versus‑actual for every category.
What it does
- Pay‑yourself‑first template — categories defined as percentages of your income, so the plan fits whatever you earn.
- 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 lump sum.
- Recurring entries — daily, weekly, biweekly or monthly rules that carry into new months.
- Cumulative goals — emergency fund and investment totals that build across every month.
- 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, English, French and Arabic, with full right‑to‑left support.
Private by design
Payself is free, with no ads, no in‑app purchases and no subscription. It has no account and makes no network connections at all — there is no server for your money data to go to. Everything stays on your iPhone or iPad. See the privacy policy for the details.