Target-zero payday app
SuperBudge
Payday just got less dangerous.
When money lands in checking, SuperBudge tells you what to keep, what to sweep out, and where that transfer should go.
No bank connection required for the first plan. Start with manual numbers and adjust on payday.
Today after paycheck
$4,200 in checking
Status
Green
Required checking hold
$3,100
If spending stays on plan, checking should reach the next payday near the $500 buffer.
Available to transfer
$1,100
The answer
Transfer $1,100 today. Keep $3,100 in checking. Land near $500 by next payday.
Set the next planning date
Use a regular payday, an invoice date, or a custom window for mixed income.
Protect the money that must stay
Bills, spending, irregular expenses, safety margin, and your checking buffer are held back first.
Sweep what can leave checking
SuperBudge shows the transfer amount and sends it through your goal waterfall.
Built for real accounts
Not another monthly budget you have to babysit.
SuperBudge is a payday ritual. It protects the next stretch of time, then turns the amount above that hold into a transfer plan.
Bills are timing problems
Rent on the 1st and insurance on the 18th should not be treated like one monthly blob.
Income can be messy
Freelance checks, second jobs, and contract payments can each have their own expected date and amount.
Shared goals stay focused
Invite family into a savings goal and track progress without sharing bank accounts.
Goals get an order
Emergency savings, payoff, reserves, and investments are funded by priority.
First payday plan
Build the plan before the next paycheck lands.
Add income sources, bills, spending, reserves, and goals. The next check-in gives you one number to move and one number to keep.