{"product_id":"budget-payday-studio-haushaltsbuch-nach-zahltag-rechnungen-und-sparziele-offline-app-excel","title":"Budget \u0026 Payday Studio – Paycheck Budget Planner, Bills and Sinking Funds (Offline App + Excel)","description":"\u003ch2\u003ePaycheck budget planner: bills, sinking funds and “safe to spend”\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eApp + Excel · 5 languages included\u003c\/strong\u003e (English, German, Bosnian, Serbian, Croatian) · Instant download · One-time purchase, no subscription\u003c\/p\u003e\n\u003cp\u003eMost budget planners think in calendar months. But money comes in weekly, every two weeks or mid-month – and in between come bills, subscriptions and refunds. In the end you ask yourself: how much can I actually still spend?\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eBudget \u0026amp; Payday Studio\u003c\/strong\u003e plans by your real payday and shows you one clear number: \u003cstrong\u003e“Safe to spend”\u003c\/strong\u003e – what is really free after bills, buffer and savings.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eBuy once. Use offline. No monthly subscription. 14-day money-back guarantee.\u003c\/strong\u003e\u003c\/p\u003e\n\u003ch3\u003eWhat Budget \u0026amp; Payday Studio does for you\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget by payday:\u003c\/strong\u003e weekly, biweekly, semi-monthly or monthly.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e“Safe to spend”\u003c\/strong\u003e = balance − upcoming bills − buffer − your savings.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome, expenses and refunds\u003c\/strong\u003e recorded in seconds. Refunds link to the original expense – your categories stay correct.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRecurring bills\u003c\/strong\u003e set up once – the app plans them into every period.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCategory budgets:\u003c\/strong\u003e yellow from 85%, red when over budget. A clear donut chart shows where your money goes.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReports as PDF\u003c\/strong\u003e (period report and upcoming bills) for you or your accountant.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExcel both ways:\u003c\/strong\u003e export everything as an Excel file with overview and charts, or import transactions from an Excel or CSV file.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eShare securely by QR code\u003c\/strong\u003e with your partner or accountant: everything, just the overview or the plan without amounts – revocable at any time.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYour gift – sinking funds:\u003c\/strong\u003e vacation, car, holidays, emergency fund. Set a goal and a date, and the app works out the monthly amount.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eYour data stays with you\u003c\/h3\u003e\n\u003cp\u003eNo account, no bank connection, no cloud. Everything stays encrypted on your device. You enter your numbers yourself and keep full control.\u003c\/p\u003e\n\u003ch3\u003eWho it is for – and who it is not for\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eA good fit for\u003c\/strong\u003e anyone who wants to plan their money by their real payday – employees, couples, families and the self-employed with irregular income.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eNot a fit\u003c\/strong\u003e if you expect an automatic bank connection or investment advice.\u003c\/p\u003e\n\u003cdiv class=\"ppp-cost\" style=\"margin:28px 0;padding:18px 18px 16px;border-radius:14px;background:#f6f8fa;border:1px solid #e1e6ec;color:#0b1f33;max-width:100%;box-sizing:border-box\"\u003e\u003cp style=\"margin:0 0 6px;font-size:17px;line-height:1.35\"\u003e\u003cstrong\u003eWhat it costs you over the years\u003c\/strong\u003e\u003c\/p\u003e\u003cp style=\"margin:0\"\u003eComparable budgeting apps with a subscription start at about $99.99 a year (or $14.99 a month). You buy Budget \u0026amp; Payday Studio once for $35.\u003c\/p\u003e\u003cdiv role=\"img\" aria-label=\"Cost comparison: subscription $99.99 in the first year, $299.97 over 3 years; ProPraxisPlan one-time $35\" style=\"margin:14px 0 8px\"\u003e\u003cdiv style=\"margin:0 0 10px\"\u003e\u003cdiv style=\"display:flex;justify-content:space-between;gap:10px;font-size:14px;line-height:1.3;margin:0 0 4px\"\u003e\u003cspan style=\"min-width:0\"\u003eSubscription, 1 year\u003c\/span\u003e\u003cspan style=\"flex:0 0 auto;font-weight:600;white-space:nowrap\"\u003e$99.99\u003c\/span\u003e\u003c\/div\u003e\u003cdiv style=\"background:#e6eaef;border-radius:7px;height:14px;overflow:hidden\"\u003e\u003cdiv style=\"width:33.3%;height:14px;border-radius:7px;background:#a7b0ba\"\u003e\u003c\/div\u003e\u003c\/div\u003e\u003c\/div\u003e\u003cdiv style=\"margin:0 0 10px\"\u003e\u003cdiv style=\"display:flex;justify-content:space-between;gap:10px;font-size:14px;line-height:1.3;margin:0 0 4px\"\u003e\u003cspan style=\"min-width:0\"\u003eSubscription, 3 years\u003c\/span\u003e\u003cspan style=\"flex:0 0 auto;font-weight:600;white-space:nowrap\"\u003e$299.97\u003c\/span\u003e\u003c\/div\u003e\u003cdiv style=\"background:#e6eaef;border-radius:7px;height:14px;overflow:hidden\"\u003e\u003cdiv style=\"width:100.0%;height:14px;border-radius:7px;background:#cf8a80\"\u003e\u003c\/div\u003e\u003c\/div\u003e\u003c\/div\u003e\u003cdiv style=\"margin:0 0 10px\"\u003e\u003cdiv style=\"display:flex;justify-content:space-between;gap:10px;font-size:14px;line-height:1.3;margin:0 0 4px\"\u003e\u003cspan style=\"min-width:0\"\u003eProPraxisPlan, one-time\u003c\/span\u003e\u003cspan style=\"flex:0 0 auto;font-weight:700;white-space:nowrap\"\u003e$35\u003c\/span\u003e\u003c\/div\u003e\u003cdiv style=\"background:#e6eaef;border-radius:7px;height:14px;overflow:hidden\"\u003e\u003cdiv style=\"width:11.7%;height:14px;border-radius:7px;background:#0b8a57\"\u003e\u003c\/div\u003e\u003c\/div\u003e\u003c\/div\u003e\u003c\/div\u003e\u003cp style=\"margin:8px 0 0;font-size:12.5px;line-height:1.45;color:#4a5a6a\"\u003ePrices according to the providers’ pricing pages, checked on October 18, 2026; features differ. Cheapest yearly plan, before tax. These apps connect to your bank, for example. 3 years calculated at the same price. Amounts in US dollars.\u003c\/p\u003e\u003c\/div\u003e\n\u003ch3\u003eWhat you get (instant download, ZIP)\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBudget \u0026amp; Payday Studio as an HTML app in 5 languages: English, German, Bosnian, Serbian, Croatian\u003c\/li\u003e\n\u003cli\u003e10 Excel templates (empty and filled example per language, with charts)\u003c\/li\u003e\n\u003cli\u003ePDF guide in 5 languages (with your app link for phone and tablet)\u003c\/li\u003e\n\u003cli\u003eVideo tutorial (all 5 languages)\u003c\/li\u003e\n\u003cli\u003eFree updates – the app tells you when a new version is available\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eActivate and get started\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eActivate once:\u003c\/strong\u003e The first time you open the app, enter your name and the \u003cstrong\u003eactivation number\u003c\/strong\u003e from your order email. This needs the internet once, briefly.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRuns on computer, iPhone, iPad and Android:\u003c\/strong\u003e On a computer you open the app file in your browser. On a phone or tablet you open your app link from the guide and add it to your home screen – it then runs like an app, offline too.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e1 purchase = 1 main device.\u003c\/strong\u003e More people and devices join by QR code. New device? Sign out the old one in Settings and activate the new one.\u003c\/li\u003e\n\u003cli\u003eAbout once a month the app briefly confirms your licence when you are online. Only the number is checked – your data stays on your device.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eOn a phone or tablet?\u003c\/strong\u003e Open \u003ca href=\"https:\/\/app.propraxisplan.de\/budget\/\"\u003eapp.propraxisplan.de\/budget\/\u003c\/a\u003e and tap “Add to Home Screen”. Then activate it with the activation number from your order email.\u003c\/p\u003e\n\u003ch3\u003eFrequently asked questions\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need technical skills?\u003c\/strong\u003e\u003cbr\u003eNo. You type in amounts and click buttons.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes it work on my phone?\u003c\/strong\u003e\u003cbr\u003eYes. On your phone you open your app link and add it to your home screen – it then runs like an app, offline too.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes the app connect to my bank?\u003c\/strong\u003e\u003cbr\u003eNo. You enter transactions yourself or import an Excel or CSV file. That way your bank details stay with you.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhere do I find the activation number?\u003c\/strong\u003e\u003cbr\u003eIn your order email, under the activation number. Enter it together with your name the first time you open the app – it is your personal key.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need the internet?\u003c\/strong\u003e\u003cbr\u003eOnly briefly: once to activate, about once a month for the licence check, and for secure sharing. Everything else works offline.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat if I change my computer or phone?\u003c\/strong\u003e\u003cbr\u003eSave a backup in the app, sign out the old device in Settings and activate the new one with the same number. Then load the backup – everything is back.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need Excel?\u003c\/strong\u003e\u003cbr\u003eNot for the app, it runs in your browser. You open the included Excel file with Microsoft Excel or a compatible program.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCan I use the app with my partner?\u003c\/strong\u003e\u003cbr\u003eYes. Share it by QR code with your partner or family. You decide what is visible. Only sharing with other households and reselling are not allowed.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eAre there any extra costs?\u003c\/strong\u003e\u003cbr\u003eNo. Buy once, no subscription.\u003c\/p\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e14-day money-back guarantee:\u003c\/strong\u003e If the app is not right for you, write to info@propraxisplan.de within 14 days of purchase and you get the full price back, no long explanation needed. The activation for your order is then switched off. This voluntary guarantee is in addition to your statutory rights.\u003c\/li\u003e\n\u003cli\u003eDigital product – nothing is shipped. You get the download link right after purchase.\u003c\/li\u003e\n\u003cli\u003eThe currency follows the language (EUR, USD, KM, RSD) and can be changed.\u003c\/li\u003e\n\u003cli\u003ePersonal licence for you and your household; sharing and reselling are not allowed.\u003c\/li\u003e\n\u003cli\u003eA calculation and organizing tool, not financial or tax advice.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eMaker: ProPraxisPlan\u003c\/p\u003e","brand":"ProPraxisPlan","offers":[{"title":"Default Title","offer_id":52926655693098,"sku":"PPP-APP-BUDGET-014","price":35.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1017\/5922\/2058\/files\/propraxisplan-budget-payday-studio-titelbild.jpg?v=1792287415","url":"https:\/\/propraxisplan.de\/en-us\/products\/budget-payday-studio-paycheck-budget-planner","provider":"ProPraxisPlan","version":"1.0","type":"link"}