Frequently Asked Questions

PayCycle is an iOS app that organizes your income and expenses by pay period instead of by calendar month. It generates your pay periods from the income you mark as Primary, then shows exactly how much is left after bills for each paycheck.

PayCycle is free to download, with an optional subscription available monthly or yearly. Pricing varies by region, so check the App Store for the exact amount in your currency.

Yes. The yearly plan includes a 14-day free trial and the monthly plan includes a 7-day free trial. You can cancel anytime before it ends.

Yes, and by design rather than by policy. PayCycle has no bank logins, requires no account, and collects no data. Everything lives on your device, or in your own private iCloud account if you leave sync on. There is no PayCycle server holding your finances.

Most budget apps assume a monthly cycle. If you are paid biweekly, your bills and paydays never line up with that. PayCycle builds the budget around your actual pay schedule, adds partial payments for bills you cannot cover all at once, and rolls anything you miss into your current period automatically.

Pay periods come from the income items you mark as Primary. Mark one, some, or all of them depending on how granular you want your periods to be. More Primary sources produce smaller periods. PayCycle generates two years ahead and keeps extending, so you always have a two-year runway.

They let you pay a large bill in chunks across multiple paychecks. Split an expense into as many payments as you need until the balance is zero. Each payment is tracked in the period it happened, and a progress bar shows what is left.

It rolls forward into your current pay period automatically, so it stays visible instead of disappearing into the past. This includes partially paid bills that still have an overdue balance.

Yes. Set a target amount and date, then contribute manually or on a schedule, including once per pay period. Goals work equally well for savings and for large upcoming expenses.

Yes, in two kinds. In-app notifications are always on. System notifications can be switched off. You configure alerts per item in its edit screen, choosing up to two reminder times: day of, day before, 2-3 days before, a week before, or two weeks before.

Green means paid, red means overdue, blue means a partial payment is in progress, and gray means upcoming.

iOS 26.0 or later. PayCycle runs on iPhone and iPad.

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Completely. Your data is stored on your device, so every feature works with no connection at all.

PayCycle uses your own iCloud account to sync across your devices, and it is on by default. Switch it off in Settings to keep data on one device only; the app works exactly the same either way.

Swipe left on the transaction and tap Mark as Paid, or tap into its details and mark it there. It turns green and your cash flow updates immediately.

Yes. When adding an expense, set a recurrence: weekly, biweekly, semi-monthly, monthly, quarterly, yearly, or custom. Future occurrences are created for you.

No. Every occurrence is an independent instance, so moving one bill or adjusting a single paycheck affects only that one. The recurring schedule behind it stays intact.

Yes. PayCycle ships with a starter set, and you can create, recolor, re-icon, or delete freely. Income and expense categories are managed separately, in Settings under Manage Categories.

Check that system notifications are enabled for PayCycle in iOS Settings under Notifications. Then confirm you have set alerts on the specific items you expect reminders for, since alerts are configured per item rather than globally.

Pay periods derive entirely from income marked Primary. Edit your income items and check which ones are Primary, and confirm their dates and schedules are right. Pay periods regenerate automatically after the change.

Email support@paycycle.info or use the contact form on this site.

Email support@paycycle.info or use the contact form. Please include what happened, what you expected, the steps to reproduce it, and your iOS version.