PaycheckVault— Know what to save every payday
Secure Personal Finance
✨ Money, but make it simple
Know exactly what to save every payday.
Log your bills and paychecks once. Paycheck Vault does the math: what's due, what's left, how much to set aside this check, and how much you've piled up so far.
How it works
Five steps. That's the whole thing.
- 1
Step 1
Enter your bills
Pick from a list of well-known bills, drop in the amount and due date. Totals do themselves.
- 2
Step 2
Enter your paycheck
Log what actually hits your account. We split it into bills, savings and spend-it money.
- 3
Step 3
Log what you saved
Every deposit stacks into one running total with streaks and badges for keeping it up.
- 4
Step 4
Add your debts
Balances and APRs turn into a real payoff date, total interest, and what to attack first.
- 5
Step 5
Add ways to earn more
Keep a shortlist of side hustles with the monthly upside of each one.
Free for 7 days, then one simple plan
No charge for the first 7 days. Cancel any time — your data stays yours.
$7.99/month
Switch to yearly any time and get about two months free
Starts after your 7-day free trial
- 7-day free trial, no charge up front
- Unlimited bills and paychecks
- Save-per-paycheck calculator
- Running savings total and goal
- Automatic paycheck planning and bill reminders
- Debt payoff projections
- AI suggestions on what to move this week
- Side-income idea tracker
- Savings streaks, badges and bill alerts
- Optional ChatGPT connection
Every bill, one board
Due day, amount, autopay and what's still unpaid this cycle — totalled automatically.
Save-per-paycheck math
Set a percentage, and every bi-weekly check tells you the exact dollar amount to move.
Running savings total
Each deposit stacks into one number, tracked against the goal you set.
Automatic paycheck planning
Set your next payday and every upcoming check is split for you: bills due, savings, and what's actually left to spend.
Bill reminders
Anything due inside your reminder window surfaces on the dashboard, flagged red when it's within two days.
Debt payoff tracking
Balances, APRs and extra payments turn into a payoff date, total interest, and which debt to attack first.
AI suggestions
One tap gives dollar-specific moves for the week — like "Move $75 to savings" — based on your real numbers.
Ways to earn more
Keep a shortlist of side-income ideas with the monthly upside of each.
Share the vault 💸
Post it to your story, drop it in the group chat, or send it straight to a friend who never knows where their paycheck went.
FAQ
Questions people ask before starting
- How does Paycheck Vault decide how much to save each paycheck?
- You set a savings percentage and your pay frequency. Paycheck Vault applies that percentage to every check, subtracts the bills due before your next payday, and shows the exact dollar amount to move to savings and what's left to spend.
- Does it work with bi-weekly pay?
- Yes. Bi-weekly (26 checks a year) is the default, and weekly, twice-monthly and monthly pay schedules are supported too.
- What does Paycheck Vault cost?
- There's a 7-day free trial with no charge up front. After that it's $7.99 per month, or $79.99 per year — about two months free compared with paying monthly.
- Can I cancel any time?
- Yes. You can cancel from your billing page or the customer portal and keep premium access until the end of the period you already paid for. Your bills, paychecks, savings and debts are kept, so resubscribing brings your account back exactly as it was.
- Do I have to connect my bank account?
- No. Paycheck Vault never asks for bank logins. You enter bills, paychecks and savings yourself, which keeps your banking credentials out of the picture entirely.
- Can I track my net worth and debt payoff?
- Yes. Your savings minus your debts is shown as a live net worth figure with a history chart, optional alerts when it hits a target or drops sharply, and a CSV report you can export. Debts get payoff dates, total interest and a recommended payoff order.