Finally Know Where Your Money Goes
Not a budget. A simple payday system that shows you exactly what to pay, save, and spend freely.
Tools
Answer your money questions
Free Tools
7+
Tools
Answer your money questions
Hate budgeting? You are not alone.
Tracking every coffee and sandwich is exhausting. Spreadsheets feel like homework. And traditional budgets always seem to fall apart by week two.
The Payday Planner is different. Instead of tracking every dollar after you spend it, you organise your money once on payday and then spend freely without guilt.
How It Works
Four steps to financial clarity
Step 1
Survive
Cover Your Bills
Enter your bills and fixed costs. Know exactly what you need to cover first.
Start this stepStep 2
Secure
Protect Yourself
Build your emergency fund and start investing for the future.
Start this stepStep 3
Strive
Reach Your Goals
Pay down debt faster and save for the things that matter to you.
Start this stepStep 4
Spend
Enjoy Guilt-Free
What remains is yours to spend freely. No guilt, no stress, no surprises.
Start this stepFree Tools
Quick wins for your finances
Do not need the full planner? Use these focused tools to solve specific problems.
What is my money personality?
Discover your financial psychology type and get personalised insights to improve your relationship with money.
- 3-minute personality assessment
- Uncover hidden money patterns
How much are my bills?
Know exactly what leaves your account each month so you can plan your paydays with confidence.
- See all bills in one calendar view
- Know how much to set aside each payday
How much emergency fund do I need?
Find your ideal safety net amount and create a realistic plan to build it.
- Calculate based on your actual expenses
- See exactly when you will be fully funded
How much do I need for retirement?
See how much to invest each month to hit your retirement goals with compound growth.
- Work backwards from your target income
- Visualise your wealth over time
How should I pay off my debts?
Create a payoff strategy and see your exact debt-free date with snowball or avalanche methods.
- Compare snowball vs avalanche strategies
- Calculate interest you will save
What is this really costing me?
See the true opportunity cost of spending when you factor in lost investment growth.
- See what spending could have grown to
- Make smarter spending decisions
Should I consolidate my debts?
Find out if consolidating saves you money and how promotional rates affect your payoff.
- Compare current vs consolidated rates
- See total interest savings
1:1 Sessions
Get personal help with your finances
Book a 1:1 session and I will help you set up a complete financial system that actually works for your situation.
- Personalised financial roadmap
- Custom Payday Planner setup
- Debt and savings strategies
- Ongoing accountability support
60-Minute Session
Video call
We will review your complete financial picture, set up Payday Planner for your specific needs, and create an actionable plan you can follow immediately.
Sessions include a recording and follow-up summary with your personalised action items.
Payday Planner Community
On Skool
- Weekly live sessions with Q&A
- Step-by-step financial courses
- Community support and accountability
- Exclusive templates and resources
Community
Learn and grow with others
Join a community of people actively improving their finances. Get structured courses, weekly support, and accountability to actually make progress.
Ready to spend without guilt?
Organise your pay, hit your goals, and finally enjoy spending what is left. Start free in five minutes.