Pay Cycle
Pay Cycle • Oct 2026

Bi-Weekly Pay Period Cycles

👁️
Deep Dive View
• Tap any cycle card to expand or collapse details
🎯 Savings Goals & Target Buffers

Allocate portions of your pay period surplus toward emergency funds, travel, or vehicle buffers.

💵 Recurring Income Sources
Source Name Frequency Amount Action
📥 Income Received Ledger 0 deposits
Date Title Account Amount Action
📅 Scheduled Bills & Subscriptions 0 bills
Due Date Bill Title Target Account AutoPay Amount Action
📋 Expense Ledger & Transactions 0 items

⏰ Upcoming Bills & Scheduled Expenses

Track recurring bills, auto-pay schedules, and mark them paid for each cycle.
Total Outflows in Filtered View 📉
$0.00
Cleared: $0.00 • Remaining Due: $0.00
0 Bills

📊 Monthly Summary & Analytics

Planned vs. actual comparison across the calendar month.
Month
Total Monthly Income 💵
$0.00
All paychecks & deposits
Total Monthly Outflows 📉
$0.00
Cleared + Scheduled
Net Monthly Savings 🛡️
$0.00
Income remaining to save
Savings Rate 📈
0%
Of total earned income

Monthly Outflows by Category

🏔️ Debt Payoff Snowball & Avalanche Engine
Extra Monthly Debt Payment: +$200.00/mo
Projected Debt-Free Date
Oct 2027
Saved 14 months with extra payment
Total Interest Saved
$1,420.00
Compared to minimum payments only
🧠 AI Debt Optimizer & Balance Transfer Simulator
Debt Advisor

Model lump-sum windfalls (tax refunds/bonuses) or simulate 0% APR balance transfer credit card offers to save on interest.

💰 Lump-Sum Windfall Modeler
Enter a lump sum to simulate payoff acceleration.
💳 0% APR Balance Transfer Simulator
Compare promo 0% APR vs current interest.
Debt Name Category Due Date Balance APR Rate Min Payment Target Payoff Order Actions
August 2026
Sun
Mon
Tue
Wed
Thu
Fri
Sat
Selected Date
0 transactions scheduled
🔮 Cash Flow Forecaster
Gemini 3.5

Analyzes your current pay cycle inflow vs outflows to project your buffer and risk level.

Click Generate Forecast to analyze your active budget cycle.
🧪 What-If Simulator
Scenario Engine

Test a hypothetical expense (e.g. "$400 car repair") before spending to evaluate cycle impact.

Ready to simulate financial scenarios.
🔍 Subscription Auditor
Audit Engine

Identifies recurring monthly subscriptions and recurring bills to pinpoint potential savings.

Audit ready. Click below to inspect active subscriptions.
☁️ Live Mobile & PC Cloud Bus

Your data syncs seamlessly between this web app and your devices in real time using your account email key.

Matches your account sync key.
Last Cloud Sync: Never
Cloud Topic: paycycle_sync_86brancan_at_gmail_com
Sync Status: Ready & Listening
📊 Google Sheets & File Export
🟢 File & Drive Sync

Export CSV backups or import sheets directly into your budget.

💾 Data Backup, Restore & Reset

Restore historical backups or completely clear local storage and reset all data.

🎨 Theme & Visual Palette

Select a custom color theory palette matching the Android application:

🎨
Color Theory Teal, Indigo & Amber
💜
Purple Minimal Classic Material 3
🌿
Emerald Mint Financial Growth
🌊
Ocean Sapphire Navy & Sapphire
🌅
Sunset Copper Warm Gold & Copper
🌸
Rose Gold Rose & Mauve Luxury
⚡
Midnight Cyber Neon Cyan & Obsidian
🌐
90s AOL Retro Dial-Up Blue & Yellow
🖥️
90s Mac OS Platinum Desktop Grey
🕹️
8-Bit Arcade Pixel CRT Green
📖
E-Reader Sepia Kindle Parchment
🏦 Accounts & Pay Cycle Anchors
All 14-day pay periods calculate forward and backward from this date.
💾 Backup File & Google Sheets CSV

Export or import your complete financial database file (paycycle_budget_backup.json) or Google Sheets CSVs.

Safe-to-Spend Balance 💰
$0.00
After all cleared and planned expenses
Pay Period Income 💵
$0.00
Bi-weekly paycheck & sources
Planned Outflows 📉
$0.00
Cleared: $0.00 • Pending: $0.00
Total Debt Balance 🎯
$0.00
Snowball target: $0.00 / mo
📉 + Expense
💵 + Income
✨ AI Quick Entry