No bank connection required

See your bills before your paycheck disappears

Stop budgeting by month. PayAnchor assigns every bill to the paycheck that should fund it, so you know exactly what's left before you spend.

See How It Works
Paycheck — Mar 7, 2026 $2,847.63
Rent Due Mar 1
-$1,450.00
Car Insurance Due Mar 5
-$187.00
Afterpay — Nike Due Mar 8 · 2 of 4
-$42.50
Spotify Due Mar 10
-$10.99

The Problem

Monthly budgets weren't built for how you actually get paid

📅

Bills don't align with paydays

Your rent is due the 1st, but your paycheck hits the 5th. Every month is a guessing game of which check covers what.

📊

Monthly budgets lie

Seeing "$3,200 income vs $2,800 expenses" looks fine on paper. But it hides that one paycheck is overloaded while another has slack.

💰

Variable pay makes it worse

Hourly shifts, 1099 contracts, overtime. Your income fluctuates, but your bills don't. You need a tool that adapts to you.

How It Works

Three steps. Total clarity.

01

Add your pay schedule

Weekly, bi-weekly, semi-monthly, or custom. Tell us when you get paid and how much you expect to take home.

02

Add your bills

Monthly rent, weekly subscriptions, BNPL installments. Add them all with amounts, due dates, and frequency.

03

See what's left

PayAnchor assigns each bill to the right paycheck. See your remaining balance per paycheck before payday hits.

Built Different

Everything your budgeting app forgot

Core

Paycheck Calculator

Enter your hourly rate or salary, add overtime and bonuses, and see estimated taxes and net pay. W-2 and 1099 supported.

Unique

BNPL Tracking

Afterpay, Klarna, Zip, Pay-in-6. Track installment plans with remaining payments and automatic completion dates.

Smart

Auto Bill Assignment

Bills automatically attach to the most recent paycheck before their due date. Weekend and holiday pay rules applied first.

Alert

Over-allocation Warnings

Know if a paycheck is overloaded before payday. Catch problems early and shift bills between paychecks manually.

Pricing

Less than a coffee. Way more useful.

Start with a 7-day free trial. No credit card required.

Free

$0

forever

  • 1 paycheck schedule
  • Up to 10 bills
  • Basic paycheck view
  • Bill-to-paycheck assignment