Budgeting, statement reading and spending analysis happen on your device. No Payday Loom servers receive your bank data. No ads, tracking or analytics service.
Privacy comes first.
Your budget has a local offline copy and encrypted private iCloud sync. We cannot view your private budget. The optional Apple Intelligence assistant runs on your device, without an external AI service.
Connect directly.
Retrieve balances and transactions from banks with compatible FinTS 3.0 PIN/TAN access. Your device talks directly to your bank over HTTPS. Saved bank logins and PINs are kept end-to-end encrypted in iCloud Keychain, never in the budget database. No banking aggregator; no payment initiation.
Bank wherever you live.
Outside Germany, or without a compatible connection, import supported German- or English-language text PDF statements or enter records manually. Review transactions and categories before importing. Supported currencies: EUR, GBP, USD and CHF; no currency conversion.
Understand your spending.
Explore categories, monthly limits, merchant rules, trends and comparisons. Review detected recurring payments, turn a transaction into a recurring bill and receive optional private local spending alerts.
Plan around payday.
See an estimated spending amount after bills, savings reservations and a cash buffer. Inspect your daily guide and 30-, 60- or 90-day forecasts. Protected savings and unreceived income stay outside your spending estimate.
Rehearse a change.
Delay an upcoming paycheck by up to 30 days, compare timelines and explore a dated funding checklist. Test a purchase amount, date and payment account without changing real balances or posting payments.
Your records. Your control.
Automatic private iCloud updates, optional Face ID or Touch ID lock, local reminders, JSON export and budget deletion. Native layouts work across iPhone, iPad and supported Apple-silicon Mac installations.
The interface is English. Bank compatibility depends on the bank, account and authentication method. PDF layouts vary; scans, password-protected and unsupported documents may require manual entry. iCloud requires an available Apple Account and connection; Apple controls background delivery. Estimates depend on your records and do not guarantee available funds.
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