Yearn: Paycheck Budget Planner

Yearn is a paycheck budget planner built on envelope budgeting, made for tips, gig work, hourly shifts, and contract pay. Every bill and goal is funded by its due date, from whatever paycheck schedule you're on. Most budgeting apps assume the same paycheck lands every two weeks. Yearn doesn't. Set a funding schedule that matches your payday, weekly, biweekly, twice a month, or monthly, and Yearn works out what each paycheck needs to cover. What's left is your Free to Spend: the money that is truly yours after bills and goals are handled. BUDGET BY PAYCHECK Create an envelope for each bill or goal, give it a due date and an amount, then attach it to a funding schedule. On each funding date, Yearn calculates how much to set aside so every bill is fully funded by the day it's due. Bills can repeat weekly, biweekly, twice a month, monthly, quarterly, or yearly. No spreadsheets, no mental math. ENVELOPE BUDGETING FOR VARIABLE INCOME The envelope method works for irregular income because Yearn never asks how much you make. It only asks what you owe and when. Every envelope shows its status at a glance: Ready, On track, Ahead, or Behind, so you know before payday whether next week's check will stretch. FREE TO SPEND, ALWAYS VISIBLE One number, always current: what you can spend today without touching money that already belongs to a bill. It updates each time a funding schedule runs on the payday you chose, and whenever a purchase is matched to an envelope. BILL TRACKER, GOAL TRACKER, SPENDING CHARTS Real-time progress on every bill and savings goal. Cash flow, spending by category, upcoming bills, and a six-month trend, all built from your own transactions. YOUR BANK, YOUR CHOICE Track manually, or connect your bank with a secure, read-only Plaid connection so balances and transactions stay in sync. Auto Spend matches purchases to the right envelope automatically. Import transactions from CSV, OFX, or QFX files, reconcile balances when they drift, and review your balance history. Yearn never moves money in your bank account. WHAT YOU GET - Paycheck budget planner with automated envelope funding - Funding schedules for weekly, biweekly, semi-monthly, and monthly pay - Free to Spend calculated after every bill and goal - Bill tracker and expense tracker with due-date progress - Auto Spend: purchases matched to envelopes automatically - Manual tracking or read-only bank sync via Plaid, with CSV/OFX/QFX import - Multiple accounts from the same bank in one dashboard - Spending charts: cash flow, categories, upcoming bills, six-month trend - Push or email alerts for new transactions - Biometric login, dark mode, and multi-currency support - Zero-based budgeting without the monthly straitjacket - Also available on the web at yearnapp.io WHO IT'S FOR Hourly workers, tipped and hospitality staff, gig and delivery drivers, independent contractors, freelancers, self-employed people, and anyone living paycheck to paycheck who wants a budget app that finally matches their pay schedule. Yearn was built by a founder who got tired of budgeting apps designed for W-2 salaries. If your income changes every week, this is the money manager made for you. Free plan available. No credit card required. 30-day free trial on paid plans.