PaymiruEverything you need until payday
Paymiru turns your balance, bills and pay schedule into one simple number: what you can spend today.
Daily budget
Bills due before payday are set aside first. What's left is split across the days until your next paycheck.
Bill reminders
A heads-up two days before each bill, the day before payday, and a quick evening check-in to keep your streak.
Spending tracker
Log a purchase in two taps and watch "left today" update instantly. Edit or delete anything later.
Build a buffer
Set a savings goal and move a few dollars aside each payday — the best way to stop needing advances.
Compare cash advance apps
Short before payday? See limits, fees, speed and requirements of popular no-interest apps side by side.
True cost calculator
Turn any express fee or tip into an equivalent APR, so you know the real price before you tap "get it now".
Private by design
- No bank login — you enter your balance yourself
- Budget, bills and spending stay on your iPhone
- Email is optional, and you can unsubscribe anytime
- We never sell your data
Transparent comparisons
- Every app gets a Paymiru score from its published terms
- The formula is shown in the app — apps can't pay to rank higher
- We don't take applications or share your data with providers
- We're not a lender and don't make credit decisions
Questions
More answers on our support page.
Is Paymiru a lender?
No. Paymiru is a budgeting app and an independent guide to cash advance apps. We don't offer advances or loans and don't accept applications.
Do I need to connect my bank?
No. You enter your balance yourself, and everything you add stays on your phone.
How is "left today" calculated?
Your balance, minus bills due before payday, divided by the days until payday — minus what you've already spent today.
How much does it cost?
Paymiru is free.