Assignly
Assignly · Leaning
Assignly is a paycheck budget app and bill tracker. It shows what's left of each check once every bill, debt, and savings goal is covered.
About Assignly
What Is Assignly
Assignly is a personal finance app built around one question most budgeting tools skip: after I pay every bill on this paycheck, what do I actually have left? Instead of sorting spending into categories after the fact, it starts with your paydays and assigns each bill to the check that has to cover it. You see rent is handled long before it's due, not three days after it's gone.
This is a paycheck budget app, not a spending diary. Most budgets show categories. They don't show whether your next check can cover real life. Assignly does.
The app targets people paid on a schedule, whether weekly, bi-weekly, or twice a month, who live check to check and want to know if the next one can carry real life. It also handles debt payoff schedules and savings goals, so a single monthly view covers income, bills, debt, and savings at once.
The biggest limit is that Assignly doesn't connect to your bank. That's a deliberate choice, and it means every paycheck and bill is entered by hand unless you link a credit card. If you want automatic transaction import, this isn't that kind of tool.
Getting Started
- Create an account and start the free trial, or use it free while it's in beta.
- Add your first paycheck: enter the date and amount, and turn on recurring if you're paid on a fixed schedule.
- Add the bills you owe, like rent, utilities, and subscriptions, then let Assignly assign each one to a paycheck.
- Optionally enter debts and savings goals so Assignly can calculate payoff dates and track progress.
- Work the monthly overview, swiping between paychecks to match each bill with the check that covers it.
Product Information
A quick look at Assignly's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- People paid weekly, bi-weekly, or semi-monthly who want to know if a specific check covers their bills
- Anyone living paycheck to paycheck who needs clarity before payday, not after
- Budgeters who refuse to hand over bank logins and are fine entering numbers manually
Tasks
- Assigning rent, utilities, and subscriptions to the exact paycheck that has to cover them
- Building a debt payoff schedule with a waterfall order that sends extra cash to the top debt first
- Tracking progress toward a named savings goal with a target amount
- Reviewing a whole month of income, bills, debt, and savings in a single view
Scenarios
- The days before payday when you're not sure whether the check will stretch
- Splitting a monthly rent bill across two paychecks in a semi-monthly pay cycle
- Getting a bill reminder and a payday nudge so a due date never sneaks up
- Your bank deposits early and you need to set how many days before the 1st or 15th your pay actually lands
Key features
Paycheck-First Planning
Assignly flips the usual budget model. You start with paydays and assign bills to them. Every bill lands on a check rather than floating in a monthly category. Think of it as a paycheck planner first and a spending tracker second. The app shows your current paycheck and what it still has to cover, which answers the "what's actually left" question directly.
Bill Allocation Across Pay Periods
Every bill, the day it lands, and which check covers it live in one list. You can group bills by category, handle non-monthly bills by picking their next due date, and mark inactive bills so they're kept but not assigned. An extra expenses field covers one-off costs a single check has to absorb.
Debt Payoff Schedules
Enter your debts and Assignly calculates a payoff date based on your real income. It models a waterfall allocation, where extra cash goes to the top priority debt first and later ones get the minimum until the ones above clear. Long-press and drag reorders that priority list.
Savings Goals
You name what you're saving for, set a target, and allocate part of a paycheck to it. Contributions show up on each payday. The app tracks a real balance across your goals rather than a single vague pot. Milestones trigger when a debt clears or a goal is reached.
Reminders and Payday Nudges
Bill due reminders and payday nudges arrive as push notifications, with a setting for quiet hours so nothing pings between times you choose. It's the part that keeps the plan from going stale once the initial setup energy wears off.
Monthly Overview
One card summarizes the entire month: income, bills, debt, and savings at a glance. Swipe between paychecks, double-tap a date to jump back to today, and see at a glance whether anything lands this month or whether anything is due in the next two weeks.
Credit Card Tracking
You can optionally link credit cards to automatically track balances, minimum payments, and annual fees, which feeds those numbers into the payoff plan. This is the one place Assignly pulls data in rather than making you type it.
No Bank Login, Ever
Assignly never asks for your bank credentials. You enter paycheck and income data manually. No linking required. You can mask paycheck amounts if you'd rather not show numbers on screen. This is a budget app without bank login, and that's the point. Your financial data stays with you. It's also the trade-off for losing automatic bank sync.
Pros and cons
Pros
- Answers a specific daily question: what's left of this check once every bill is covered
- No bank login required, so there's no account linking to worry about
- Debt waterfall and savings goals sit in the same view as bills, so the whole picture holds together
- Free for 30 days, then $3.99 a month
- Works on web, iOS, and Android with the same paycheck-first model
Cons
- No bank sync means manual entry of paychecks and bills. Real ongoing work.
- Paid plan is only a monthly subscription, so there's no one-time or annual option listed
- Credit card linking is the only automatic data feed. Every other account gets typed in by hand.
Frequently asked questions
Assignly is a paycheck budget and bill tracker. It assigns each bill to the paycheck that has to cover it, then shows you what's left of that check, alongside debt payoff schedules and savings goals.
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