Description
Monthly budgets fail quietly: the month looks fine on paper while the second week runs dry. This planner works the other way round. You budget by paycheck, and the app assigns each bill to the paycheck that has to cover it, which leaves you with a safe-to-spend number you can trust on any given day. You can try the live demo to see the layout before you buy.
What is inside
- Bill tracker with due dates, matched automatically to paydays
- Debt payoff calculator comparing snowball and avalanche plans side by side
- Sinking funds with a small per-paycheck target for each goal
- Net worth tracker and the 50/30/20 rule as a reference point
- A freelancer mode for months when income arrives irregularly
Planorva built it as one HTML file that runs on any phone or computer. There is no spreadsheet to maintain, no account, no internet needed and no subscription; your figures are saved privately on your own device and the planner is yours to keep.
How to open:
1. Download the file after checkout and unzip it to find the single HTML file inside.
2. Open that file in any web browser — Chrome, Safari, Firefox or Edge — and bookmark it so it is easy to return to.
3. Enter your next payday and your bills. On a phone, add it to your home screen and it will sit there like any other app.
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