Bills & Calendar
Organize recurring bills, due dates, payments and income in one place.
- Keep recurring bills and due dates organized
- Track which payments are made
- See income and bills together on a calendar
Personal finance, cleared for takeoff
Take control of your money.
PayAviator brings bills, budgets, spending, income and connected financial accounts together so your important numbers are easier to understand.
PlanTrackTake Control
Illustrative · example data
Features
Built around your financial picture
Plan ahead without losing sight of what is available right now. Hover or tap a card for details.
Budget & Spending
Track monthly spending and compare activity with the limits you set.
- Set monthly spending limits
- Track spending through the month
- Compare activity against your limits
Payoff Planner
Pick a card and preview its payoff with Snowball or Avalanche.
- Add a card with its balance, credit limit, APR and minimum payment
- Snowball: pay the minimum, add an optional extra monthly payment, and see the payoff date, months and projected interest
- Avalanche: pay the full balance off
- Gauge shows how much of the card's credit is used, and how much after the payment
Safe-to-Spend View
See what you can spend right now: your connected account balance minus the Payday Cushion you choose.
- Starts from Available now: your connected checking and cash balances
- Keeps a Payday Cushion: a percentage of your paycheck or a set dollar amount
- Savings stay protected unless you include them
Income & Hours
Keep track of paycheck information and work hours alongside your bills.
- Record paycheck information
- Log the hours you work
- See income next to upcoming bills
Backup & Restore
Tools help you preserve and restore the information you enter into PayAviator.
- Back up the information you enter
- Restore it when you need it
Try it
How Safe to Spend works
In PayAviator, Safe to Spend starts from Available now, the available balance of the checking and cash accounts you connect. It then keeps back a Payday Cushion you choose. Savings stay protected unless you include them. Move the sliders to see how it works.
PayAviator Gauge
All Spendable
$0
SAFE TO SPEND
Available now$0
Savings$0Protected
Cushion$0
Safe to Spend = Available now + Savings (only if included) − Cushion, never below $0
Payoff planner demo
Pick a card, then Snowball or Avalanche
PayAviator's Payoff Planner looks at one card at a time. Snowball pays each card's minimum, and any extra you add goes to the smallest balance first. Avalanche shows paying the full balance off. The gauge shows how much of the selected card's credit limit is used.
Choose a card Example data
Payment choice for this card
Optional money paid above your minimums each month. It goes to the smallest balance first. When that balance is paid off, its payment rolls over to the next one.
Example cards only, for illustration. Projections assume the APR stays the same, interest is added monthly, every card pays its minimum, and there are no new charges. Simplified demo: nothing is saved or sent anywhere. Not financial advice.
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0%CREDIT USED
Available credit
Balance used
Projected payoff
Inside the app
A look at PayAviator
Screens from PayAviator 3.9.6. All amounts shown are sample data, not real accounts.
Connected accounts
Connected financial accounts
PayAviator uses Plaid to let users connect supported financial institutions. When a user chooses to connect an account, PayAviator may access account and balance information and transaction information made available through Plaid so the app can display financial activity and support budgeting and money-management features.
PayAviator does not ask users to provide their online-banking password directly to PayAviator. Account connections are initiated through Plaid. Users control whether they connect an account and can disconnect connected accounts.
For more information, read the PayAviator Privacy Policy.
1You choose to connect (optional)
2Sign in through Plaid
3Account, balance & transaction info shown in PayAviator
4Disconnect any time
FAQ
Questions, answered
No. Connecting a financial account is optional. You can enter bills, income, budgets and debts yourself, and you can disconnect connected accounts at any time.
Safe to Spend starts from Available now, the available balance of the checking and cash accounts you include. It then subtracts your Payday Cushion, which is a percentage of your most recent paycheck (20% by default) or a dollar amount you set. Savings accounts are protected by default; turn on "Include savings in Safe to Spend" to count them. The result never goes below $0. Without connected accounts, Available now comes from PayAviator's own records of checks and funds received, minus paid bills, manual spending and savings.
PayAviator does not ask you to provide your online-banking password directly to PayAviator. Account connections are initiated through Plaid, and authentication with supported institutions is handled through the Plaid connection experience.
No. PayAviator does not sell users' personal financial information. See the Privacy Policy for details.
In PayAviator's Payoff Planner you look at one card at a time and choose how to pay it. Snowball pays the card's minimum payment (if you haven't saved one, PayAviator uses 3% of the balance, at least $25). You can add an extra monthly payment: it goes to your smallest balance first, and when that balance is paid off, its payment rolls over to the next one. Snowball shows the projected payoff date, the number of months and the projected interest. Avalanche shows paying the card's full balance off, including the month's interest. Both show how much of the card's credit limit is used now and after the payment. These are estimates, not financial advice. Try the demo.
No. PayAviator does not provide financial, investment, tax, legal, or credit advice. Calculations, projections, payoff estimates, budgets, and safe-to-spend figures are informational estimates.
Download links are coming soon. In the meantime, reach out at littlemann76@gmail.com.
Email littlemann76@gmail.com with any support or privacy questions.
Plan. Track. Take Control.
Bring your bills, budget, debts and income into one clear view.
Questions? littlemann76@gmail.com