Paycheck plan
Every bill lands on the paycheck that pays it. Move a payment to a later check without changing its real due date.
What LyBFin does
One plan for your money, built around payday.
Safe to spend
What's left after every bill until your next paycheck, with a cushion you choose and your lowest point shown ahead of time.
Bills calendar
Due dates, paydays and paid status on one calendar. Drag a repeat to a new day and undo with one tap.
Cards and debt
Watch available credit before you swipe, track loans and cards together, and see the date each one is paid off.
Budgets and shopping
Weekly and monthly budgets with a saved shopping list. Items repeat on their own, each with its own price.
Accounts by group
Group accounts by person or purpose, with a color stripe that follows each account everywhere in the app.
Household and business
Your home and your companies, each with its own books.
Run the household budget and every business you own from one sign-in. Personal and company money stay apart, so each one has its own accounts, bills, cards and records, ready when tax time comes.
- Household membersShared and personal accounts side by side, with who owns what always clear.
- Every company you ownLLCs and practices kept separate from personal money, with their own bills and paydays.
- One-click movesMove a bill or account to the household or the company it belongs to.
- Tax-ready recordsClean, separate books for each business, ready for your accountant.
1
Connect your accounts
Link your bank securely through Plaid, or add an account by hand in seconds.
2
Set your paydays and bills
LyBFin lines each bill up with the paycheck that covers it.
3
Spend with confidence
See what's safe to spend now and what's coming before it hits.
Security and privacy
Your money data stays yours.
Read-only by design
LyBFin reads balances, transactions, recurring payments, loans, cards and investment holdings. It cannot move, send or withdraw money.
Never sold, never used for ads
We don't sell or rent your data, and we don't use it to train AI models.
Bank linking through Plaid
You sign in to your bank through Plaid. LyBFin never sees your bank username or password.
Protected access
Encrypted in transit and at rest, two-step sign-in, and a fresh code before sensitive actions such as deleting data.
You stay in control
Disconnect a bank whenever you like and ask us to delete your data at any time.
Report a concern
Found a security issue? Write to security@lybtec.com. See our security.txt.
Ready to see your next paycheck clearly?
Bring your household and your business onto one clear plan.
