Your bank balance isn’t what you can spend.
OnTime Budget shows you one number: what’s safe to spend until your next payday, after your bills and a buffer are set aside.
First month free. No card needed.
Example figures: Safe to spend until payday $350. $3,500 in bank · $2,650 held for bills · $500 buffer
The sum your bank won’t do for you
- Bank balance
- $3,500
- minus Bills due before payday
- −$2,650
- minus Your buffer
- −$500
- equals Safe to spend
- $350
How it works
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Add your bills
Type them in, or snap a photo and the app fills in the details.
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Tick them off as you pay
A simple tick sheet of what’s due before your next pay.
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Know what’s safe to spend
One number on your home screen, every day, built around your payday and not the calendar month.
Also inside
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12-month outlook
See a tight month coming long before it arrives.
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Savings goals
Each payday it tells you how much to move, after bills come first.
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Debt payoff plan
A date you’ll be debt-free, based on what you’re paying.
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Share with your partner
One household budget, two phones.
We never connect to your bank
No bank login, no bank feed. You type in your balance, so nobody can reach your account through us.
No ads. Your information is never sold. Card payments are handled by Stripe, and we never see your card number.
One simple price
$4 AUD a month
First month free, no card needed. Cancel any time. If you don’t subscribe, it simply stops.
Built in Queensland, by one person
I built OnTime Budget because every app I tried was built around calendar months, and my bills only care about what’s due before my next pay. It installs to your home screen on Android or iPhone, with no app store needed.