Budgets are abstract.
Monthly categories do not match reality. Bills do not all land on the 1st, and paychecks usually do not either.
New: now on iOS 26+
The money is already
spoken for.
Fendu plans every paycheck the moment it lands. Bills go to the paychecks that pay them, the rest goes where you tell it, and the number on the home screen is what is actually yours.
Built for the paycheck-to-paycheck life
- iOS 26
- native app
- $3.99
- /mo Pro
- 7-day
- free trial
- 0
- trackers
- iCloud sync
- Home Screen widget
- Live Activity
- Local notifications
/ Why budgets fail
You do not need a budget.
You need to know if this paycheck can cover the bills.
Paychecks are concrete.
You know what lands and when. The useful question is whether this deposit can cover these bills.
Fendu answers that.
Every paycheck is its own plan: assign bills, split across accounts, and see what is actually left.
01 / Plan every paycheck
One plan,
every paycheck,
forever.
Set recurring bills once. Fendu auto-fills them onto the right paychecks, on the right dates, forever. Split each deposit across accounts and keep every commitment tied to the account that funds it.
Deposit splits
Send fixed amounts to checking or savings, then route the remainder where it belongs.
Funding-aware bills
Tie each bill, transfer, or transaction to the account that pays for it.
Load and month views
See upcoming paycheck buckets, heaviest loads, and monthly cash flow by paycheck.
What-if mode
Try a new bill, edited amount, or different funding account before changing the real plan.
02 / See the flow
See where every
dollar went.
A live breakdown of this paycheck: categorized, color-coded, and readable at a glance. Switch between paycheck and month views, expand destination rows, and compare remaining, allocated, and income totals without losing the plot.
Insurance5%
$150Phone & Internet3%
$115Utilities3%
$100Remaining87%
$2,635/ How it works
Four steps.
Then never wonder again.
Set your paycheck
Weekly, bi-weekly, semi-monthly with custom days, or monthly.
Split the deposit
Assign fixed amounts or a remainder split across checking and savings.
Create the plan
Add bills, credit cards, transfers, categories, and funding accounts.
Track the period
Mark bills paid or saved, log transactions, and see what is safe to spend.
/ Why Fendu
Not another budget app
to feel guilty about.
CapabilityFenduTraditional budget apps
Paycheck-first planningBuilt around depositsUsually calendar-first
Funding accountsEach item knows which account paysOften category-only
Schedule supportWeekly, bi-weekly, semi-monthly, monthlyOften monthly-first
Privacy postureLocal data with iCloud/CloudKit syncOften third-party service sync
Best use caseKnowing what this paycheck can safely spendTracking monthly categories
No Plaid: no trackersNo Fendu
servers.
servers.
No Plaid. No third-party trackers. Fendu uses local persistence and CloudKit sync.
Your paycheck
is none of our business.
Fendu stores your planning data locally and syncs through your personal iCloud using CloudKit. Bill reminders, payday notices, and overspending alerts do not need a server.
- 0
- Fendu servers
- 0
- trackers
- iCloud
- sync across devices
/ Pricing
Free to start.
Pro if you love it.
Free
$0
forever, no card required
- 1 checking and 1 savings account
- 2 credit-card or other accounts
- 2 recurring bills
- Deposit splits across 2 accounts
- Unlimited allocations and transactions
- iCloud sync, widgets, and Live Activity
Pro7-day trial
$3.99/ mo
or $29.99/year after a 7-day trial
- Unlimited checking and savings accounts
- Unlimited credit-card and other accounts
- Unlimited recurring bills
- Full deposit split access
- Income tracking
- Existing data stays visible if Pro expires