iOS App · YNAB Integration

Your paycheck,
allocated
in seconds.

PaydayPilot connects to your YNAB account and intelligently distributes every dollar across your budget — automatically. Stop doing the math. Start budgeting smarter.

Free to start $2.99/mo for unlimited iOS only

YNAB connected
PaydayPilot app — home screen showing paycheck allocation
Pushed to YNAB
Simple by design

Three steps to a perfectly allocated paycheck

No spreadsheets. No manual math. Just connect, enter, and push.

1

Connect YNAB

Authorize PaydayPilot via YNAB's secure OAuth 2.0 flow. Your credentials never touch our servers — only a short-lived token stored in your iOS Keychain.

2

Enter your paycheck

Type in your take-home amount. The waterfall engine reads your expense priorities and calculates allocations across every category — must-pay first, then savings, then discretionary.

3

Review & push to YNAB

Confirm the breakdown with a single tap. PaydayPilot pushes the allocations directly into your YNAB budget. Done in seconds, every payday.

What's inside

Built for YNAB power users

Everything you need to automate paycheck day — nothing you don't.

Smart waterfall engine

Allocations cascade through priority tiers — must-pay expenses first, normal expenses next, then nice-to-have spending. Every dollar finds its place automatically.

📱

Offline-first

All your expense data lives on-device in an encrypted local database. No internet required for day-to-day use — sync only happens when you push to YNAB.

🔗

Deep YNAB sync

Reads your real YNAB budget categories and writes allocations back via the official API. Your YNAB stays the source of truth — PaydayPilot just does the math.

🔒

Secure by default

SQLCipher encrypted database, OAuth tokens stored in the iOS Keychain. PaydayPilot never accesses your bank accounts or financial institution credentials.

🎯

Free to start, fair to upgrade

Track unlimited expenses at no cost. Your first YNAB push is free. Upgrade to Premium for $2.99/mo to unlock unlimited pushes — one cup of coffee, every paycheck day handled.

Pricing

Simple and transparent

Start free. Upgrade when you're ready. Cancel anytime via the App Store.

Free
$0
forever free
  • Unlimited expense tracking
  • Full waterfall allocation engine
  • 1 free YNAB push
  • Unlimited YNAB pushes
Download free
Best Value
Annual
$14.99
per year — save 58%
  • Everything in Free
  • Unlimited YNAB pushes
  • Priority support
  • All future features
Download & subscribe

Subscriptions managed entirely by Apple. We never see your payment information.

Privacy Policy

Your data stays on your device

PaydayPilot is built on a simple principle: we don't want your data, and we don't need it.

What we collect

Nothing. PaydayPilot does not collect, transmit, or store any personal data on external servers. All budget and expense data you enter is stored exclusively on your device in an encrypted local database.

YNAB connection

PaydayPilot connects to your YNAB account using the official YNAB API and OAuth 2.0 authorization. This means:

  • We never see or store your YNAB username or password.
  • Authorization tokens issued by YNAB are stored securely in the iOS Keychain on your device only.
  • API requests are made directly from your device to YNAB's servers. Our servers are not involved.

Local data storage

All budget categories, expense records, and paycheck history are stored in an encrypted SQLite database (SQLCipher) on your device. This data is never uploaded, backed up to our servers, or shared with any third party.

Financial institution credentials

PaydayPilot does not connect to banks, credit unions, or any financial institutions. It does not access account numbers, routing numbers, or banking credentials of any kind.

Analytics and tracking

None. PaydayPilot contains no analytics SDKs, no crash reporting services that transmit data externally, no advertising frameworks, and no tracking of any kind. We have no visibility into how or how often you use the app.

In-app purchases

The Premium subscription is processed entirely through Apple's App Store. We do not receive, process, or store any payment information. All subscription management (including cancellation) is handled through your Apple ID settings.

Third-party sharing

We do not share any data with any third parties, because we do not have any data to share.

Children's privacy

PaydayPilot is not directed at children under 13. We do not knowingly collect information from children.

Changes to this policy

If this policy changes materially, we will update the effective date below and note it in the App Store release notes.

Contact

Questions about privacy? Reach us at support@paydaypilot.app.

Developer: Eduardo Barth, independent developer.

Effective date: March 28, 2026
Support

We're here to help

PaydayPilot is an independent app built and maintained by a single developer. If you run into any issues or have questions, send an email — every message gets a real response.