Zalt: Payday Budget Planner

Make your money last until payday. Zalt is a payday budget planner. Enter your balance, your next payday and your upcoming bills, and Zalt shows what's left to spend until your next pay. It works with monthly pay, pay on the 15th and 30th, weekly or fortnightly pay, and pay that changes with your shifts or side gigs. KNOW WHAT'S LEFT UNTIL PAYDAY See your available money after bills and money you've set aside, with a daily budget guide. You don't have to log every purchase: update your balance whenever you need to catch up. BILL REMINDERS AND BILLS TRACKER Keep rent, electricity, water, phone, internet and subscriptions together with their due dates. Get reminders, mark bills paid and split big bills into amounts to set aside each payday. EXPENSE TRACKER Record spending and income, add notes and categories, or scan a receipt. See where your money goes each pay cycle. SAVINGS GOALS Set money aside for a goal and keep it apart from your everyday budget. DEBT TRACKER Keep track of what you owe: credit cards, instalments and buy now, pay later, HELP debt, SSS and Pag-IBIG loans, and money borrowed from family or friends. Repayments count in your payday plan, and you can compare ways to pay a debt off. CASH FLOW UNTIL PAYDAY See your money over the next 30 days with bills, expected pay and estimated spending, and check the lowest point before payday. NO BANK LOGIN Enter your own balances: Zalt never connects to your bank. Your budget stays on your phone and core planning works offline. Optional encrypted backup saves a copy to a folder you choose, such as Google Drive. GOOD TO KNOW Zalt is free and supported by ads, including sponsored offers. Internet access is needed for online features. Zalt is a planning tool, not a bank, lender or provider of financial or tax advice. Figures are estimates based on what you enter. Check entered, scanned, imported and calculated figures before relying on them. Setting money aside in Zalt records your intention; it does not move money between accounts.