Budget by paycheck,
not by guess.
Enter your pay schedule, income, and bills. Quincena tells you exactly what to move where on every payday — and what's truly left over.
Get started — it's freeNo credit card. No bank logins — ever.
Leftover after everything, this month
$810
$405 per check · 6.9% of income to savings
Move to Bills checking
$915.00
per check
Move to Cards & debt
$355.00
per check
Move to Savings
$125.00
per check
Your payday routing card — this is the five-minute move-list every time a check lands.
Know your leftover
One honest number after every bill, debt payment, and savings transfer — per month and per check.
Which check covers what
Due days meet paydays: see exactly which bills each check is responsible for, so nothing lands on the wrong week.
Bonus-check radar
Paid weekly or biweekly? Some months bring an extra check your budget doesn't touch. Quincena flags that found money.
Free to budget. Pro to plan years ahead.
Free
$0
- ✓ The full budget, unlimited lines
- ✓ Payday routing card
- ✓ Check-by-check bill coverage
- ✓ Bonus-check alerts
- ✓ CSV export
Pro
$4.99/mo
or $39/year
- ✦ Debt-free dates with real APR math
- ✦ Payday reminder emails
- ✦ 1, 3, and 5-year projections
Subscriptions opening soon
Questions, answered
Do I have to connect my bank?
No — and you never will. Quincena has no bank syncing at all. You type in nicknames and the last four digits of your accounts, and that is everything we ever ask for. No logins, no account numbers, no third-party access to your money.
How is this different from other budgeting apps?
Most budgets are built around the calendar month. Your life runs on paychecks. Quincena starts from how you're actually paid — weekly, biweekly, twice a month, or monthly — and answers the question that matters: after everything, what's left from each check?
What does it cost?
The full budget is free: income, accounts, expenses, payday routing, check coverage, and CSV export. Pro adds debt-free dates, payday reminder emails, and 1–5 year projections for $4.99/month or $39/year once subscriptions open.
What happens to my data?
It's yours. Your budget is stored encrypted, visible only to your account, exportable as a CSV anytime, and deletable with one action in Settings. We don't sell data — see the privacy policy for the whole picture.