Free to try — no account needed

Your pay stub knows
the truth about
your money.

Every budgeting app asks for your income. Most people guess wrong. PaycheckPlan reads your actual pay stub and builds your real budget in 60 seconds.

Drop your pay stub here

PDF, JPG, PNG, HEIC · max 10MB

Pay stub deleted immediately
·2,847 budgets generated
As seen on
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4.9/5 from early users

The Problem

You've been budgeting
the wrong number.

What most people budget with

Annual salary (from the job offer)

$85,000

= $7,083/mo — wrong

Gross pay sounds great on paper. But taxes, insurance, and deductions come out before you see a dollar. Budget from this and you'll always be short.

What you actually bring home

Real monthly take-home (net pay × frequency)

$4,891/mo

← build your budget from this

After federal tax, state tax, FICA, health insurance, and 401(k) — this is your real number. PaycheckPlan reads every line.

31%

The average person brings home 31% less than their salary.

Most budgets are built on the wrong number from line one. PaycheckPlan fixes that.

How It Works

60 seconds, start to finish

10 sec

01

Upload

Drag your pay stub into the drop zone. PDF, photo, or screenshot — any format.

15 sec

02

AI reads every deduction

Claude Vision extracts your net pay, taxes, FICA, insurance, 401(k), and every other line.

35 sec

03

Your real budget, downloaded

A personalized Excel budget built from your actual take-home — not your salary.

Live Demo

Watch it work in 60 seconds

No account needed. No manual entry. Just your pay stub.

paycheckplan.com
Step 1 · Upload

Drop your pay stub here

PDF · JPG · PNG · HEIC

Analyzing pay stub…Reading deductions
Step 2 · AI Reads Every Deduction
15 sec
Gross Pay$5,200
Federal Income Tax−$624
FICA (SS + Medicare)−$397
Health Insurance−$180
401(k) 6%−$208
Net Pay← your real budget number
$3,791
Step 3 · Your Budget
50/30/20 Framework
Housing
30%$1,137
Food & Dining
10%$379
Transport
8%$303
Savings
20%$758
Wants
32%$1,214
Your budget is ready · Download Excel →
Upload
Extract
Budget

Pro Features

What Pro unlocks

∞

Unlimited uploads

Run as many pay stubs as you need.

⚖

All 4 frameworks

50/30/20, Zero-Based, FIRE, Dave Ramsey.

👥

Dual Income Mode

New

Combine two pay stubs into one household budget.

📈

Raise Planner

See your budget after a $5k, $10k, or $15k raise.

💡

Afford It? Calculator

Soon

Enter any purchase and see if it fits your take-home.

📁

Budget History

Track how your take-home changes across jobs.

📊

Clean Excel Export

No watermark. Your budget, your file.

Pricing

Start free. Upgrade when you're ready.

Free

$0

Try it free

  • 1 upload / month
  • 50/30/20 framework
  • Watermarked Excel
  • No account needed
Get started free

Pro

Most Popular
$9/ month

or $79/year — save 27%

For people serious about their money

  • Unlimited uploads
  • All 4 frameworks
  • Dual Income Mode
  • Raise Planner
  • Budget History
  • Clean Excel — no watermark
  • "Afford It?" CalculatorSoon
  • Priority support
Upgrade to Pro →

Just need it once?

Clean Excel budget, no subscription, no account.

$12 one-time →

Ready to see your
real numbers?

No account. No credit card. Drop your pay stub and your real budget is ready in 60 seconds.

Drop your pay stub here

PDF, JPG, PNG, HEIC · max 10MB

Pay stub processed and deleted immediately. Never stored.