Payday

The question monthly budgets never answer

At lunch you don’t ask “what’s my monthly envelope?”
You ask: can I spend this today?

Most finance apps either wire into your bank on day one, or dump a monthly total on you and leave the mental math to you. Payday is built around the daily decision.

What Payday is

Payday is a local-first personal finance app for Europe. One number sits at the centre of the product:

Safe to spend today — until your next payday.

Around that number:

• Income that already arrived (counts fully today, not diluted across remaining days)
• Bills, subscriptions, installments
• Savings and investments
• Lending — money you borrowed or lent, lump sum or installments, with cadence

No bank login required to start. Your data lives on the device (SQLite). English UI. Euro-native money math.

Coming soon

We’re in soft TestFlight with early testers while we polish for the App Store and Google Play.

Next stage after the core loop — shared money without becoming a bank:

• Split & group expenses (trips, dinners, weekends away)
• Group loans (fronted cash that stays visible until settled)
• Shared household accounts (rent, utilities, flatmates)

Later: optional EU open banking, smarter notifications, home-screen widgets.

The product ships clarity first. Shared money next. Connections later.

Built the ByronDevLab way

Observable flows, integer cents, local dates, and deterministic budget math — so the number you see is correct on purpose, not by accident.

Want early access or something in this space built for your team? Talk to us.