01 · Record
Amount and transaction type
Tap plus, enter an amount, then choose income or expense. Currency and the base account are already set; category, account and note are only there when you need detail.
PayCheckMoney tracking without noise
Record income and expenses by hand, keep accounts, categories and goals in one place. PayCheck does not ask for bank access, and your financial history stays on your Android device.
No bank connections
manual tracking, no card or account access
Data on device
transactions are not stored on our server
Free to start
core tracking and basic analytics are free; Premium is for deeper metrics
How it works
Record first. Keep order. Get answers later.
PayCheck does not force you to understand a finance system on the first screen. You start with one record, and the value grows with your history.
02 · Find
History stays readable
Search, filters, date and income/expense colors help you return to a specific record without scrolling through noise.
03 · Understand
The month is visible without a spreadsheet
Once there are enough records, PayCheck shows income, expenses, net result, categories and spending pace in a readable way.
What happens to data
PayCheck does not ask for blind trust
It is not a bank aggregator and not a cloud vault for your financial history. You enter records manually, and the app keeps them locally. Server-side parts are for account, Premium and technical work, not for reading your expenses.
Local history
Transactions, categories, goals and notes stay on the Android device.
No bank access
PayCheck does not connect to cards, read accounts or pull transactions automatically.
Export under your control
A file is created only when you choose to export or make a backup.
No ad profile from spending
We do not sell financial data or build advertising profiles from your transactions.
When history exists
Analytics should answer questions, not just draw charts
Premium becomes useful after PayCheck already has your records. Then numbers explain the month: spending pace, runway, savings, categories and income stability.
- 78
- money health score in the example
- 70.58%
- savings rate for the period
- 287 days
- estimated money runway
Questions people actually open analytics for
When you open analytics, it should answer quickly: is the month on track, or is one area draining money faster than it feels?
Pace
Am I spending faster than planned?
Spending speed shows how quickly money is leaving in the current period, so a problem is visible before the month ends.
Runway
How many days will my money last?
Runway turns the balance into an approximate number of days. It is easier than guessing from a raw amount.
Categories
What is really pulling the budget down?
Top categories and period changes reveal a repeating direction, not just one random purchase.
Stability
Is income predictable?
Income stability helps you see whether the month can be planned calmly or depends on a single payment.
Free and Premium
Build the habit first. Subscribe only when you need depth.
Free covers daily tracking: income, expenses, accounts, categories, goals and basic analytics. Premium removes ads and unlocks deeper metrics, PDF/CSV export and scheduled local backups.
Start here
Free
$0
For starting money tracking without a subscription or a complex setup.
- Income and expenses
- Accounts, categories and goals
- Search and history filters
- Local storage
- Manual export/import
Free may show ads. Core tracking is not hidden behind a paywall.
For depth
Premium
For the moment when records have accumulated and you want more clarity without ad blocks.
12 months is best
1 month
£3.99 / month
Cancel anytime
6 months
£2.50 / month
£14.99 total - save 37%
12 months
£1.67 / month
£19.99 total - best value, save 58%
- No ads
- Money health score
- Category trends and spending pace
- PDF/CSV export
- Scheduled local backups
- Support independent development
Prices are taken from Google Play for the United Kingdom. Google Play still confirms the final amount, taxes and currency before purchase.
How to choose
Free is enough if you need honest manual tracking and a clean transaction history.
Premium makes sense when you already have history and want answers, reports, backups and a cleaner interface.
PayCheck helps you keep your own records so a month later they become a readable financial history.
PayCheck is for people who want to see their money without the noise
Start with a simple record. If the history becomes valuable, Premium unlocks deeper metrics, reports and local backups.
Financial history stays on the Android device
Premium and subscriptions are handled through Google Play