Kite: Paycheck Budget

Kite helps you build a paycheck budget the way you actually get paid: from one paycheque to the next, not from the 1st to the 31st. Most budgeting apps think in calendar months, then ask for your bank login. Kite does neither. It asks when you get paid, what you owe, and keeps every figure on your phone. No bank connection, no account, nothing tracked. WHAT IT DOES • Pay periods, not months. Tell Kite your pay schedule — weekly, every two weeks, twice a month, or monthly — and every screen, every total, follows your own paycheck budget, not the calendar's. • Your bills, by period. See what is due before your next cheque lands, tick bills off as you pay them, and catch anything overdue before it becomes a problem. • Four groups for your money. Fixed, Variable, Debt and Savings, each with its own share of your pay. Start at the common 50/30/10/10 split or set your own percentages. • A pace ring, at a glance. One look says whether your spending is ahead of or behind the days you have left in the period — no math required. • Log spending in seconds. Amount, name, group, done. No categories to hunt through, no receipts to photograph. • Debt with a balance that actually falls. Record a payment and watch what you owe go down, with a payoff estimate that shows the interest it will cost you if nothing changes. • Save up for irregular bills. Turn on saving for a yearly, six-monthly or quarterly bill, and Kite works out the share to set aside every pay period so the renewal never surprises you. • Reminders the day before a bill is due, at a time you choose — not a generic 9am push notification. • An end-of-period recap: what was left over or short, variable spending against budget, bills paid, and debt paid down. • A Home Screen widget: what's left this period and your next bills due, without opening the app. WHO IT'S FOR Kite is for anyone paid on a schedule, not a salary they think about once a month: hourly workers, salaried employees paid biweekly, freelancers with irregular but predictable income, and couples who split bills and want the number in front of them to match the paycheque that just landed. If you have ever run out of money three days before payday despite "having a budget," Kite is built around exactly that gap. WHY NOT JUST USE A BANK APP A bank's budgeting tab still thinks in calendar months, still wants your login, and still shows you last month's spending after it's too late to change anything. Kite works forward from your next paycheque, not backward from your last statement, and it never needs your bank credentials to do it. PRIVACY, BY DESIGN, NOT BY POLICY • No account. Nothing to sign up for, nothing to remember a password for. • No bank connection. Nothing to link, nothing that can be breached on a server you don't control. • No analytics, no ads, no tracking of any kind. • Kite makes no network requests at all — not one. Your budget never leaves your phone unless you export it yourself. • Optional unlock with your fingerprint, face, or screen lock. • Backups are entirely yours: save a file, keep it wherever you like, restore it when you change phones. Kite is not financial advice. It is a clear, honest place to see your own numbers — your paycheck budget, your bills, your debt, your savings — without a bank in the room.