Know exactly what you'll have on payday
TilPay shows your projected balance for any day between now and payday. No bank connections. No cloud. Just clarity about your money.
Will I have enough on Friday?
You check your bank balance and see $800. Feels okay, right? But rent is due in 3 days, you have an automatic insurance payment, and payday isn't until next week.
Traditional banking apps show you what you have now. They don't show what you'll have when the bills hit.
See your balance on any future day
TilPay projects your cash flow day-by-day, accounting for every bill, subscription, and paycheck. Tap any date and instantly see what you'll have.
- Predict overdrafts days in advance
- Know exactly when you can make a purchase
- Plan around your actual pay schedule
Everything you need, nothing you don't
Designed for people who live paycheck-to-paycheck and need to know exactly where they stand, not a dashboard full of charts.
Day-by-Day Projection
See your projected balance for any date. Tap a day on the calendar and instantly know what you'll have.
Pay Period Aware
Weekly, biweekly, semi-monthly, or monthly - TilPay understands your pay schedule and plans around it.
Overdraft Alerts
Get warned days before a potential overdraft, not after. Enough time to move money or adjust spending.
What-If Simulator
Test scenarios before committing. "What if I buy this today?" See exactly how it affects your cash flow.
Multi-Account
Track checking, savings, or cash accounts separately. Each with its own projection timeline.
Manual Entry
You enter your bills and income. It takes 5 minutes to set up and builds real awareness of where your money goes.
Set up in 5 minutes, use forever
No linking accounts. No importing data. Just tell TilPay about your bills and it handles the rest.
Enter your current balance
Start with what you have right now. This is your baseline for all projections.
Add your recurring bills
Netflix, rent, car payment - add them once with their due dates. TilPay remembers.
Set your pay schedule
Tell TilPay when and how often you get paid. It plans your cash flow around real income.
See your future, clearly
Tap any day to see your projected balance. Get alerts before problems happen.
Simple, honest pricing
Start free. Upgrade when you need more. No hidden fees, no data selling - ever.
Free
Perfect for getting started and seeing if TilPay works for you.
- 1 account
- 5 recurring bills
- 7-day projection
- Basic overdraft alerts
Pro
For anyone serious about staying ahead of their cash flow.
- Unlimited accounts
- Unlimited bills & income
- 30-day projection
- What-If simulator
- Advanced alerts
- iCloud backup
Lifetime
Pay once, own forever. All Pro features, no subscription.
- Everything in Pro
- All future updates
- No recurring charges
- Priority support
Your finances are none of our business
We built TilPay because we believe you shouldn't have to give a company access to your bank account just to understand your own cash flow.
No Plaid. No Finicity. No connection.
We never connect to your bank. Period. Your credentials stay with you.
All data stays on your device
Your financial data never leaves your iPhone unless you choose iCloud backup.
No account required
No email signup, no profile creation. Just download and start using.
Works completely offline
No internet? No problem. TilPay works exactly the same without connection.
How TilPay is different
Most budgeting apps are built for tracking the past. TilPay is built for planning the future.
| TilPay | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Day-by-day cash projection | ||||
| No bank connection needed | ||||
| Works offline | ||||
| Data stays on device | ||||
| Annual price | $49 | $109 | $99 | $95 |
* Competitors require bank connections via Plaid, which shares transaction data with third parties.
Common questions
Why manual entry instead of connecting to my bank?
Three reasons: privacy, reliability, and awareness. Bank connections through services like Plaid share your transaction data with third parties. They also break frequently. And research shows that manually entering expenses makes you more aware of your spending habits.
How accurate are the projections?
Projections are as accurate as the data you provide. If you enter your recurring bills and income correctly, TilPay will accurately predict your balance. The more consistent you are with entering one-time expenses, the more precise your projections become.
What happens to my data if I delete the app?
Your data is stored locally on your device. When you delete the app, your data is deleted too. If you have iCloud backup enabled (Pro feature), your data syncs to your personal iCloud account and can be restored if you reinstall.
Can I use TilPay for budgeting?
TilPay is designed for cash flow projection, not category-based budgeting. It answers "what will I have on Friday?" rather than "am I spending too much on dining out?" If you need detailed budgeting, TilPay works great alongside a budgeting app.
Is there an Android version?
TilPay is currently iOS only. We're focused on making the iOS version exceptional before expanding to other platforms. Sign up for our newsletter to be notified when Android is available.
What's included in the free version?
The free version includes 1 account, up to 5 recurring bills, and a 7-day projection window. It's fully functional and designed to let you experience the core value of TilPay before deciding to upgrade.
Get early access to TilPay
TilPay is currently in beta. Sign up to be notified when it launches and get exclusive early access.
We'll notify you when TilPay is available. No spam, ever.