No bank login. No Plaid. Your data stays in your iCloud.
9:41
Balance breakdownDone
Sep 18 – Oct 1
Starting checking
Balance entered Sep 21
$3,050.00
Logged spending
Since your balance update
−$200.00
Bills and payments set aside
Includes earlier unpaid bills
−$1,320.00
Left until next payday$1,530.00
Your Sep 18 paycheck is already in the checking balance above. It isn’t added again.
View paycheck detailschevron_right
$Starting checking
≡Bills set aside
✓Paycheck included
Left until next payday$1,530.00
Why budgets fail
You do not need a budget. You need to know if this paycheck can cover the bills.
01
Budgets are abstract.
Monthly categories do not match reality. Bills do not all land on the 1st, and paychecks usually do not either.
02
Paychecks are concrete.
You know what lands and when. The useful question is whether this deposit can cover these bills.
03
Fendu answers that.
Every paycheck is its own plan: assign bills, split across accounts, and see what is actually left.
Ditch the paycheck spreadsheet.
01 / 04
You maintain it by hand.
Due dates, amounts, and pay dates re-entered or copied forward every month. Miss one cell and the whole month is wrong.
9:41
Homesearchadd
PAYCHECK ACTIVITY
bar_chart
Spending trend
Latest seven relevant days
$242chevron_right
AllSpendingIncome
filter_listAll categories
Logged spending
shopping_cart
Groceries
Trader Joe’s · Everyday Checking
−$42.00
TODAY
local_gas_station
Gas
Shell · Everyday Checking
−$38.00
SEP 23
Bills this paycheck
receipt_long
Electric
Everyday Checking · Monthly
−$120.00
BILL
receipt_long
Rent
Everyday Checking · Monthly
−$1,200.00
BILL
homeHome
calendar_view_monthPlan
pie_chartFlow
account_circleProfile
C7ƒx =C1-SUM(C2:C6)
ABC
1PaycheckSep 182,400
2RentOct 11,200
3ElectricSep 22120
4PhoneSep 2865
5InternetSep 3060
6Spending—200
7Left755
Sep 18
✓$1,530 left until payday
9:41
PaychecksAll billsCalendar
See which bills each paycheck covers.
calendar_monthChoose paycheckaddAdd bill
This paycheck
Sep 18 paycheck
Covers Sep 18 – Oct 1
$2,400.00
Paycheck amount
Bills covered by this paycheck
Electric
Planned for this paycheck
$120.00
Rent
Due Oct 1
$1,200.00
Estimated checking$2,850.00
Reserved bills and payments−$1,320.00
$1,530.00
Left until next payday
After bills and logged spending. Matches Home.
Planning only. Fendu doesn’t move money.
homeHome
calendar_view_monthPlan
pie_chartFlow
account_circleProfile
9:41
Profile
EVERY 2 WEEKSedit
$2,400.00
Bi-Weekly · Next: Fri, Oct 2
currency_exchange
Everyday Checking
Checking
$1,800
Fixed
payments
High-Yield Savings
Savings
$600
Remainder
homeHome
calendar_view_monthPlan
pie_chartFlow
account_circleProfile
9:41
PaychecksAll billsCalendar
October 2026
3 paychecks · 6 bills
chevron_leftchevron_right
$5,565left this month
Income$7,200
Bills−$1,635
Lowest paycheck$1,080
Oct 2 paycheck
3 bills
$2,400
boltElectric · Monthly$142
smartphonePhone · Monthly$65
wifiInternet · Monthly$60
Left before spending$2,133
homeHome
calendar_view_monthPlan
pie_chartFlow
account_circleProfile
9:41
Homesearchadd
Change chevron_right
PAYCHECK
Sep 18 – Oct 1
8 days until paydaymore_horiz
Sep 18Oct 2
$1,530
Left until next payday
After bills and logged spending.
check_circlePlanned payments covered
bar_chartSee breakdownchevron_right
Balance updated Sep 24
homeHome
calendar_view_monthPlan
pie_chartFlow
account_circleProfile
9:41
CancelNew transactionSave
$42.00
SpendingIncome
storefrontMerchantTrader Joe’s
shopping_cartCategoryGroceries
account_balanceAccountEveryday Checking
eventDateToday, Sep 24
notesNoteOptional
trending_downLeft until next payday$1,530 $1,488
01 / 05
Every bill on a paycheck.
See which paycheck covers rent.
02 / 05
Split every paycheck.
Fixed amounts to checking, the rest to savings.
03 / 05
The whole month at a glance.
Three paychecks in October? See which one is lightest.
04 / 05
Know what’s left.
One number on Home: what’s left in checking until your next payday.
05 / 05
Log it in seconds.
Tap +, enter the amount, save. What’s left on Home updates right away.
Off the desk
Your number, on your Lock Screen.
In the checkout line, your spreadsheet isn’t there. Widgets and Live Activity keep what’s left in view, and both come with the free plan.
9:41
Thursday, September 24
9:41
FENDU
$1,530
left until payday
PAYDAY
8
days · Oct 2
Payday in 8 days
Planned payments covered
$1,530
Sep 18Oct 2
Budget_FINAL_v2.xlsx
Open on a computer to edit
04 / Counted once
Every paycheck counted once.
Your paycheck is already in the checking balance. Fendu subtracts spending and bills set aside, and never adds the deposit twice. Try it with your numbers.
Bills set aside this paycheck
Starting checking$3,050
Logged spending−$200
Bills and payments set aside−$1,320
$1,530
Left until next payday
How it works
Four steps. Then never wonder again.
01
Set your paycheck
Weekly, bi-weekly, semi-monthly with custom days, or monthly.
02
Split the deposit
Assign fixed amounts or a remainder split across checking and savings.
03
Create the plan
Add bills, credit cards, transfers, categories, and funding accounts.
04
Track the period
Mark bills paid or saved, log transactions, and see what is safe to spend.