PayChunk - Cash Budget App

About this app

PayChunk is a cash budgeting app that doesn't need your bank account. Budget by paycheck, scan receipts with AI, and track every dollar you spend — all without linking a single financial account. Most budgeting apps want access to your bank. PayChunk doesn't. If you use cash, get tips, work gig jobs, or simply don't trust apps with your bank credentials — PayChunk is built for you. KEY FEATURES CASH ENVELOPE BUDGETING • Digital cash stuffing — divide your paycheck into budget envelopes • Built around your pay periods, not arbitrary calendar months • Works with weekly, biweekly, semimonthly, and monthly pay • Drag sliders to set your budget for each category • See exactly how much cash is left in each envelope AI RECEIPT SCANNER • Snap a photo of any receipt and AI reads it instantly • Automatically extracts merchant name, line items, and total • AI suggests the right budget category for each purchase • Import bank statements or PDF documents too SPENDING TRACKER • Color-coded categories with visual progress bars • See at a glance which categories are on track or over budget • Custom categories and sub-budgets (Premium) • Rollover unused budget to next pay period (Premium) BUSINESS EXPENSE TRACKING • Flag purchases as tax deductible • Track business expenses separately for tax season • Perfect for freelancers, gig workers, and side hustles NO BANK ACCOUNT NEEDED • No bank linking — ever. No Plaid, no account credentials • Your financial data stays on your device • No third-party data sharing or selling • Budget with cash, tips, and side income privately EXPORT AND REPORTS • Download spending data as CSV • Filter by date range, category, or business expenses • Full spending history with search PERFECT FOR • Cash budgeters and envelope stuffing fans who want a digital version • People who refuse to link their bank accounts to budgeting apps • Gig workers, servers, and anyone who earns tips or cash • Freelancers tracking business expenses for taxes • Anyone who tried YNAB or Mint and wanted something simpler and cheaper • Anyone who budgets by paycheck instead of by calendar month PRICING • Free: 2 paychecks/year, 30 receipt scans/year, basic categories • Premium: $3.99/year — unlimited paychecks, unlimited scans, custom categories, sub-budgets, rollover, export, and full history That's not a typo. $3.99 per YEAR. Not per month. YNAB charges $99/year. Monarch charges $100/year. PayChunk costs $3.99. WHY PAYCHUNK? Other budgeting apps charge $8-15/month and demand your bank credentials. PayChunk costs $3.99/year and never touches your bank. We built PayChunk for people who budget with cash, earn tips, work gigs, or just want a simple budget app that respects their privacy. Stop overpaying for budgeting. Download PayChunk today. SUBSCRIPTION INFORMATION - PayChunk Premium: 1 year auto-renewing, $3.99/year - Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. - Manage or cancel in App Store Account Settings. Privacy Policy: https://paychunk.com/privacy Terms of Use: https://paychunk.com/terms

• Your categories now set up automatically when you add your first paycheck • Dashboard nudge when income hasn't been budgeted yet • Tap the nudge to jump straight into budget allocation • Upgrade welcome screen with a quick-launch receipt scan button • Fixed: $0 paychecks can no longer be saved

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Aug 20, 2026 · 6:11 AM Free