



I built an app because I couldn’t find one that matched how I budget
I’ve always budgeted with sinking funds. I started with actual cash envelopes years ago, then moved to a spreadsheet with one savings account that I split into “buckets”.
Every payday I’d work out how much needed to go into each bucket for things like insurance, car rego, rates, Christmas, holidays, etc.
I tried quite a few budgeting apps over the years, but most seemed to focus on tracking transactions and linking bank accounts. That’s not really what I wanted.
I just wanted something that answered “What do I need to set aside this payday?”
So I built Payday Buckets for myself.
I’ve been using it instead of my spreadsheet for a while now and it’s reached the point where I’d really like some honest feedback from people who budget the same way.
It’s not trying to replace YNAB, and if you want detailed expense tracking it probably isn’t for you. It’s really just built around sinking funds and planning ahead.
I’m the developer, so if you’ve got suggestions, or think I’ve missed something obvious, I’d genuinely like to hear it.
App Store link: https://apps.apple.com/au/app/payday-buckets/id6770819645