Monthly planning
PayDay Planner
An app that splits net salary into rent, bills, savings and spending on the day pay arrives. Users set percentages once and adjust them when a rent review or a pay rise changes the numbers.
Portfolio: budgeting apps we have built
Since 2012 our team of 8 in Leeds has completed 1,536 jobs for 896 clients. This page lists eight of them, all connected to personal budget planning for people in their first decade of work. Each entry states what the client needed, what we delivered and which features were involved.
Salary-based planning tools
The first group covers apps built around a monthly salary. They take net pay as the starting point and divide it into fixed costs, savings and spending money before the month begins.
Envelope method
Digital Envelopes
A digital version of the envelope system. Each category holds a fixed amount, and the balance shrinks as the user logs spending. Unused money in an envelope can be rolled into the next month.
Bills
Bill Calendar
A calendar view of every recurring payment: rent, council tax, phone contract and subscriptions. The app shows which bills fall before the next payday so that shortfalls are visible two weeks ahead.
Spending insight
Spend Breakdown
Weekly and monthly charts that group transactions by category. The client wanted plain bar charts rather than decorative graphics, so every figure is labelled in pounds and compared with the previous month.
Goals, savings and shared costs
The second group looks beyond the monthly cycle. These projects deal with saving for a deposit, building an emergency fund and splitting costs with housemates or a partner.
Savings goals
Deposit Tracker
A goal tracker for a first-home deposit. The user enters a target and a date, and the app calculates the monthly amount required. If a month is missed, it recalculates instead of showing a failure message.
Shared costs
Housemate Split
An expense-sharing app for flats and houses. Each person logs what they paid, and the app shows who owes whom at month end. It supports unequal splits, for example when one room is larger.
Emergency fund
Buffer Builder
A planner for building a reserve equal to three months of essential spending. It reads fixed costs from the budget, sets the target automatically and shows how many months of cover the user has today.
Variable income
Freelance Flow
A budgeting tool for people with irregular invoices. It averages income over six months, sets aside a share for tax and suggests a safe monthly spending figure based on the lowest recent month.
How we scope and price these projects
A single-purpose budgeting app with one planning method, a bill calendar and basic charts starts at £2,500. The price rises when a project needs bank-feed integration, multi-user accounts or custom reporting. We state the total in writing after the first conversation, and we normally reply to a request within 24 hours.
What the examples have in common
Every project above started from a short list of questions: how often does the user get paid, which costs are fixed, and what does the person want to save for? We keep screens to a minimum, show amounts in pounds without rounding tricks, and test each build on both current and older phones before handover. Of our past clients, 354 have returned for a second project, usually to add a feature to an app we had already delivered.
Planning an app of your own?
Send us a short description of the budgeting method you have in mind and the people who will use it. We will reply within 24 hours with questions, a scope outline and a fixed quote.
Contact Xoqipe