Your guilt-free spending companion – Stop worrying about every purchase. PayFlow tells you exactly how much you can spend without missing rent, bills, or savings goals.

Perfect for anyone living paycheck-to-paycheck who wants simple, stress-free money management.

🌐 ▶️ Try it now → | 100% free, no sign-up, runs in your browser

Most budgeting apps are overwhelming. They want you to categorize every transaction, set up complex envelopes, and track everything perfectly. But if you're living paycheck-to-paycheck, you don't need all that—you just need to know:

"Can I afford this coffee without missing rent?"

PayFlow answers that question in seconds. Enter your paycheck, add your bills and goals, and instantly see your guilt-free spending amount. That's it.

• 🎯 Guilt-free spending focus: See at a glance how much you can spend without worry
• 📊 Smart allocation: Cadence-aware bills with due date priority, paycheck variance cushioning, and bonus income modeling
• 🔄 One-time bills: Track non-recurring expenses like car repairs or medical bills (always allocated in full)
• 💡 Transparent breakdown: Clear waterfall calculation showing exactly where your money goes
• 🌊 Visual waterfall: Beautiful bucket-filling visualization showing bills and goals progress

• 🎨 Modern UI: Vibrant gradients, smooth animations, dark mode, and fully responsive mobile design
• � Mobile-first: Optimized layouts and touch targets for small screens (PWA-ready)
• 🔔 Smart notifications: Toast alerts for auto-adjusted paycheck ranges and important updates
• 💪 Positive messaging: Encouraging language when money is tight—no guilt, just facts

• 🌐 PWA Support: Install on your phone, works offline with service worker caching
• 🔒 Local-first: All data stays in your browser with localStorage persistence and automatic schema migrations
• 📤 Import/Export: Back up and restore your configuration as JSON with timestamp-based filenames
• ♿ Accessible: WCAG 2.1 AA compliant with keyboard navigation, ARIA labels, and screen reader support
• 🧪 Well-tested: 209 tests covering allocation logic, UI components, and data persistence
• 🔒 Privacy-first: No tracking, no ads, no account required—your financial data never leaves your device

No installation required! Just open your browser:

🌐 ▶️ Live Demo

cd webapp
npm ci
npm run dev

Run tests:

npm test

Mobile View	Desktop View

Responsive design that works perfectly on all devices

• webapp/ – Vite + React TypeScript single-page app containing the full experience
• docs/ – Architecture documentation and archives
• .github/workflows/ – CI definitions for the webapp pipeline

PayFlow uses standard JavaScript floating-point arithmetic, which is suitable for personal budgeting and typical paycheck amounts. For amounts under $100,000/month, cumulative rounding errors are negligible (<$0.01).

Perfect for:

• Personal budgeting and household finances
• Small business payroll
• Standard consumer finance tracking

Not recommended for:

• High-frequency trading or scientific calculations
• Legal/tax calculations with regulatory precision requirements

We welcome contributions! Here's how to get started:

1. Fork the repository
2. Clone your fork locally
3. Create a feature branch (git checkout -b feature/amazing-feature)
4. Make your changes
5. Run the test suite (npm test)
6. Commit your changes (git commit -m 'Add amazing feature')
7. Push to your branch (git push origin feature/amazing-feature)
8. Open a Pull Request

Requirements:

• All tests must pass (npm test)
• Code must be formatted (npm run format:check)
• Build must succeed (npm run build)

PayFlow is automatically deployed to GitHub Pages on every push to main:

• Live URL: https://blairmichaelg.github.io/paycheck_waterfall_app/
• CI/CD: GitHub Actions (runs tests, lints, builds, and deploys)
• Deploy time: ~2 minutes from push to live
• Cost: $0 forever (GitHub Pages free tier)

See .github/workflows/deploy-gh-pages.yml for the full deployment pipeline.

• ✅ Validate allocation math and import/export flows fully client-side
• ✅ Harden UI/UX, add schema validation, and automate CI
• ✅ Publish the final web app (deployed on GitHub Pages)
• ✅ Complete comprehensive code review improvements (transparency, simplicity, positivity, mobile-first)
• ✅ Progressive Web App (PWA) support with offline functionality
• ✅ One-time bill frequency for non-recurring expenses
• ✅ Enhanced calculation breakdown with transparent math visualization

Found a bug? Have a feature request?

• � Open an issue on GitHub
• 💻 Pull Requests: Always welcome!

Love PayFlow? Share it with someone who could use guilt-free spending in their life. That's the best support you can give!

Made with ❤️ for people living paycheck-to-paycheck. You deserve financial peace, not just spreadsheets.