Payday Plan

The Household Money Plan for Two

Payday Plan

Most budgeting apps sort what already happened. Payday Plan plans what happens next: every bill lined up against the paycheck that covers it, a plan for every dollar, and a decision for every payment a paid-off debt frees up — so it goes to the next debt instead of quietly turning into spending.

The Challenge

Budget Apps Track the Past. Paydays Need a Plan.

Households don’t run on calendar months; they run on paychecks, autopays and a few debts with promo rates that quietly expire. Payday Plan had to answer the questions people actually ask on a Tuesday night — what’s due, what’s paid, and which paycheck covers it — and make sure the money a paid-off debt frees up doesn’t simply disappear.

  • Plan by Paycheck
    Bills had to line up against the paycheck that covers them, not just the date they’re due.
  • Freed Payments Vanish
    When a debt is paid off, its payment quietly becomes spending unless something asks first.
  • Two People, One Plan
    The bills lived in one person’s head; both adults needed the same live plan.
  • Forms Kill the Habit
    Typing every bill into a form is the step people stop doing by March.
  • Money Data Is Personal
    It had to be private by design: no ads, no selling data, no AI reading your words by default.

The Solution

A Run Sheet for the Month, Built Around Decisions

Services Provided
Toolkit Used

We designed and built Payday Plan end to end — brand, a Laravel API, a Vue application and a fast marketing site with in-depth money guides. The month is a run sheet you tick as bills go out, the plan maps every dollar to a pocket, and the debt runway catches each payment a 0% balance frees up and asks where it should go next.

  • The Month
    Every bill on one page, seen by date, by paycheck or by pocket, ticked as it goes out and closed with a month-end recap.
    1. Five views of the same month
    2. Free to spend until the next payday
    3. One-tap ticks and an undo for everything
    4. Month-end recap of estimates vs. actuals
  • Debt Runway & Cascade
    Each debt’s balance, rate and payoff month — and when one clears, a decision for its payment before it turns into takeout.
    1. Highest-APR suggestion for every freed payment
    2. 0% promo cliffs flagged before they hit
    3. Debt-free date with and without redirecting
    4. Milestones that make progress visible
  • Just Tell It
    Type what changed in plain words — “Netflix is $18 now” — and a built-in reader (no AI) turns it into changes you review.
    1. Plain-English bills, paychecks and changes
    2. Forward bill emails to read the amount due
    3. Nothing saves until someone says yes
    4. Optional read-only bank auto-tick
  • One Plan for Two
    Both adults share one household plan, see who ticked what, and get one tidy notice instead of a flood.
    1. Partner invite by email link, no password
    2. Who-changed-what history
    3. Calendar feed and reminders
    4. Fast on phones and desktops

The Result

A Plan That Keeps Itself Between Paydays

Payday Plan launched in November 2026 at paydayplan.app with fourteen feature pages and a growing library of practical money guides. Under the hood it’s built and tested like our client work, and it runs on Media Lion Cloud, the same platform that hosts our clients’ sites.

  • Full Product Launch
    Brand, application, API and marketing site shipped end to end.
  • 142 Automated Tests
    Month rules, payments, the debt cascade and imports are covered by tests.
  • Edge-Fast Front End
    The app and site are served from Cloudflare’s edge.
  • Private by Design
    No ads, no selling data, and export or delete any time.
  • Built to Be Found
    Fourteen feature pages and in-depth guides written for search from day one.
  • Made for Two
    One shared plan, so the bills stop living in one person’s head.
  • Payday Plan home: a plain-English update box and the things that need a decision this month
  • Payday Plan Month page grouping each bill under the paycheck that covers it
  • Payday Plan Debts page offering to redirect a freed $350 payment to the highest-APR card
  • Payday Plan year in review: bills paid, money out the door and debt paid down, with a month-by-month streak
  • Payday Plan reading a plain-English note into a new debt, shown for review before anything is saved
  • Payday Plan Goals page with savings goals and their monthly pace
  • Payday Plan Month page on a phone

What clients say

Don't just take our word for it.

  • Door Guard engaged Media Lion to bring our website into the 21st Century, and Jeff Seals did not disappoint. After landing a large contract with a Fortune 500 company, we needed an easy-to-use, interactive site that let their sales force create their own quotes and place their own orders — a huge productivity improvement for Door Guard.
    Briane Hartley President · Door Guard
    Case study
  • We needed a full online shop and Media Lion didn't disappoint. Our eshop is remarkably beautiful and fitting, and our online orders have skyrocketed so much that we can't keep up with inventory.
    The Brick Store eCommerce · North Haverhill, NH
    Case study
  • We gave Media Lion a very tight deadline and it was delivered ahead of it. Our National Signing Day was a huge success — the showcase site made all the difference in highlighting our rising stars.
    IMG Academy National Signing Day
    Case study