# MyGood

> MyGood is a paycheck-based budgeting app. You enter your paychecks and bills, and it tells you how much you can safely spend per day until your next paycheck. The free plan needs no bank connection and no credit card. Made by C Squared Solutions LLC.

MyGood budgets one paycheck at a time instead of one month at a time: each bill is assigned to the paycheck that pays it, and whatever is left becomes a daily safe-to-spend number. It runs in any browser, on phone or desktop, and as an Android app on Google Play (https://play.google.com/store/apps/details?id=io.mygood).

## Plans

- Free: paycheck budgeting, daily safe-to-spend, bill and expense tracking, debt snowball payoff plan, unlimited paychecks and categories. No bank login or credit card needed.
- Pro ($9.99/month): everything in Free, plus avalanche and extra-payment debt plans, shared budgets for couples, bank sync through Plaid (optional), checking-account reconcile, roll-over to the next paycheck, paycheck projections, and a connector for Claude (MCP).
- Pro + AI ($14.99/month): everything in Pro, plus an in-app assistant that logs receipts and bank statements from a photo and answers questions about your budget.

## Good fit for

- People paid weekly or every two weeks who budget paycheck to paycheck
- People who don't want to give a budgeting app their bank login
- Former Mint users, and YNAB users who found it too complicated

## Links

- [Home](https://mygood.io/)
- [Product facts and pricing](https://mygood.io/product)
- [Interactive paycheck and bill planner](https://mygood.io/tools/paycheck-planner): a worked example, no sign-up
- [ChatGPT planning tools](https://mygood.io/docs/chatgpt): separate, unsaved calculations; directory submission in preparation
- [Safe-to-spend calculator](https://mygood.io/start): free, no sign-up
- [Use MyGood from Claude](https://mygood.io/docs/claude)
- [Privacy policy](https://mygood.io/privacy-policy): no ad pixels or third-party analytics, and personal information is not sold

## Articles

- [Free Mint Alternative That Doesn't Need Your Bank Login](https://mygood.io/blog/free-mint-alternative-no-bank-login): Mint shut down and most replacements make you hand over your bank login. MyGood is a free Mint alternative that works without connecting your bank — set up in 60 seconds.
- [YNAB Too Complicated? Try This Simpler (Free) Approach](https://mygood.io/blog/ynab-too-complicated-simpler-alternative): Love the idea of YNAB but not the rules, the setup, or the yearly fee? MyGood gives you the one number that matters — your safe-to-spend — free and in 60 seconds.
- [How Much Can I Spend Until Payday?](https://mygood.io/blog/how-much-can-i-spend-until-payday): The exact formula to work out how much you can safely spend before your next paycheck — plus a free app that calculates your safe-to-spend per day automatically.
- [MyGood vs EveryDollar: Which Budget App Fits How You're Paid?](https://mygood.io/blog/mygood-vs-everydollar): EveryDollar budgets by month; MyGood budgets by paycheck and shows a daily safe-to-spend. Prices, free plans, bank sync and who each app suits, checked October 2026.
- [The Best Budget Apps for Biweekly Pay (2026)](https://mygood.io/blog/best-budget-apps-biweekly-pay): Paid every two weeks? These budget apps handle biweekly paychecks best: MyGood, YNAB, EveryDollar and Goodbudget compared on price, free plans and bank login, checked October 2026.
- [Budget Apps That Don't Need Your Bank Login (2026)](https://mygood.io/blog/budget-apps-without-bank-login): You can budget well without linking your bank. MyGood, Goodbudget, EveryDollar free, YNAB and a spreadsheet compared on cost and effort, checked October 2026.
- [Is MyGood Free? Plans and Prices, Plainly](https://mygood.io/blog/is-mygood-free): Yes: MyGood's free plan has no time limit, no credit card and no bank login. What Free, Pro and Pro + AI each include, what they cost, and how the trial works.
- [How to Budget Paycheck to Paycheck (With an Example)](https://mygood.io/blog/how-to-budget-paycheck-to-paycheck): Plan each paycheck on its own: pay the bills due before next payday, save a little first, and divide the rest by the days left. Step-by-step method with a worked example.
- [MyGood vs Monarch: Dashboard or Paycheck Budget?](https://mygood.io/blog/mygood-vs-monarch): Monarch is a $99.99/year dashboard built on syncing every account. MyGood is a free paycheck budget with a daily safe-to-spend and no bank login. Compared, October 2026.
- [MyGood vs Goodbudget: Envelopes or Paychecks?](https://mygood.io/blog/mygood-vs-goodbudget): Goodbudget is a shared envelope budget ($10/month or $80/year for Premium); MyGood is a free paycheck budget with a daily safe-to-spend. Free plan limits and prices compared, October 2026.
- [How to Fix Your Finances: Start With a Budget](https://mygood.io/blog/how-to-fix-your-finances): To fix your finances, start with a budget: it finds the money every other fix needs. The order that works for debt, savings, credit and buying a house, with 2026 numbers.
- [Is Budgeting the Best Defense Against Inflation?](https://mygood.io/blog/budgeting-for-inflation): Prices rose 3.7% to September 2026 and gas 34.2%. See what that does to a real monthly budget, and how budgeting keeps the difference off your credit card.
- [Some Prices Are Falling. Will You Keep the Savings?](https://mygood.io/blog/prices-falling-keep-the-savings): Grocery prices dipped in September 2026. Savings from lower prices disappear unless you budget them. What $30 a month does when you give it a job.
- [The Stock Market Is Down. What Should You Do?](https://mygood.io/blog/stock-market-down-what-to-do): The Dow fell 1.23% on October 23, 2026. The part you control is your budget: an emergency fund means you never sell at a loss to pay a bill.
- [How to Pay Off Credit Card Debt at 21% Interest](https://mygood.io/blog/pay-off-credit-card-debt-high-interest): Credit card APRs average over 21% in October 2026. Minimum payments on $6,000 take 20 years; a budgeted extra $100 a month takes under 4. The math and the plan.
- [How a Budget Improves Your Credit Score](https://mygood.io/blog/budget-to-improve-credit-score): Payment history and amounts owed are 65% of a FICO score. A paycheck budget prevents late payments and cuts utilization under 30% in about a year.
- [How to Budget to Qualify for a Mortgage](https://mygood.io/blog/budget-to-qualify-for-a-mortgage): At 7.32% mortgage rates, paying off a $200-a-month card can raise the loan you qualify for by about $29,000. How a budget lowers DTI and builds the down payment.
- [How to Budget for a Layoff or Recession](https://mygood.io/blog/budget-for-layoff-or-recession): Write a bare-bones budget before you need it. Switching to it on day one makes savings last almost 40% longer. Step-by-step plan with examples.
- [The Fed Raised Rates. What It Means for Your Budget](https://mygood.io/blog/fed-rate-hike-what-it-means-for-your-budget): The Fed hiked in September and held on October 28, 2026, with December likely next. What a hike costs on your card, what it earns in savings, and the budget plan that works.
- [Health Insurance Costs More in 2027. How to Budget for It](https://mygood.io/blog/health-insurance-premiums-2027-budget): Marketplace insurers proposed a median 15% increase for 2027 and employer family plans cost workers $7,471. What it costs you, who the subsidies cover, and how to budget for open enrollment.
- [Holiday Budget 2026: How to Shop When Prices Are Up](https://mygood.io/blog/holiday-budget-2026): Holiday spending hits $1 trillion in 2026, about half of the growth from higher prices. Split your holiday budget across the paychecks left and skip the card interest.