Beyond Payday

Your household finances, available in your AI assistant. Beyond Payday is a financial planner for families: connect it and ask about cash flow, net worth, bills, debts, savings goals, retirement projections, and emergency plans, all based on the numbers you've entered in Beyond Payday. **What you can do** - "What's my monthly cash flow after bills?" - "How is my net worth trending?" - "Add a $120/month internet bill." - "Which debt should I pay off first?" - "How far along is my emergency fund goal?" **Why not just paste my numbers into the chat?** Three reasons. It isn't guessing: your assistant reads the numbers you actually saved, not what you remembered to paste or what it half-recalls from earlier in the chat. It has real calculators, so the math is far more likely to be right: take-home pay with FICA, deductions and 1099 estimated tax, and retirement plans built from thousands of Monte Carlo simulations (Social Security, pensions, annuities, RMDs, taxes, inflation, withdrawal order, downsizing) with a success rate and a range of outcomes. And its memory outlasts any one assistant: your data lives in Beyond Payday, so when you switch assistants you connect the new one and pick up where you left off. **What else do I get that a chat on its own can't do?** Your household shares one plan: a spouse can connect their own assistant to the same numbers, and a child only sees what's assigned to them. Every figure your assistant quotes is also on your Beyond Payday dashboard, so you can check it. Bill-due, payday and estimated-tax reminders arrive by email or push even when you aren't chatting, and net-worth snapshots track your progress over time. **Security:** OAuth sign-in with your Beyond Payday account. At the consent screen you choose read-only or read & write access. Figures are estimates based on your own data and are for information only, not financial advice. Requires a Beyond Payday account (free plan available): https://beyondpayday.com

First seen 2 Oct 2026. Evidence as of 2 Oct 2026.