Route a % of each deposit to savings and investments. Before you spend it.
PriorityPay lets you set rules to split each deposit and send it to retirement, savings, investments, a tax reserve, or any other goal, like a wedding or college fund. Spend the rest, guilt free.
Financial accountability, on autopilot
Never remind yourself to save again.
A deposit lands
PriorityPay sends you a text or push notification each time a new deposit hits your account. The deposit could be a client payment, a check you deposited, or cash from a payment app.
Deposit is split by percentages you set
PriorityPay calculates how much of every deposit should go to retirement, savings, taxes, and any other accounts you choose, based on the percentages you set once. You see the breakdown for each deposit and send the transfers yourself.
Spend what's left. Guilt free.
Never wonder if you can afford to splurge this weekend. If the money is in checking? Spend it. Guilt free.
The only app you'll actually enjoy opening
Most platforms show what you owe, overspend, and should have done.
PriorityPay just shows you what you've already, effortlessly, saved. No budgeting homework, no guilt trip. Just a running total of the retirement, tax, and savings progress that happened automatically while you were busy running your business.
3 simple onboarding steps
Connect how you actually get paid
Connect all of your income-receiving bank accounts so that every deposit is accounted for. We connect with over 10,000 banks and credit unions across the US and Canada.
Set your percentages
We start you off with seven buckets built for self-employed income: Solo 401k, SEP IRA, Investments, Tax Reserve, Emergency Fund, business expenses (OPEX), and Savings. Don't need one? Remove it. Want more? Add your own.
Spend the rest, guilt free
That's it. From here, every future deposit gets split automatically the moment it lands. Whatever's sitting in checking is yours to spend, guilt free.
Taxes, almost done before you start them.
At the end of every month, you already know what was income, what was an expense, and where it came from.
PriorityPay's Month Close-Out walks you through confirming each transaction once, then uses it to recommend exactly how much to send to your Tax Reserve and retirement accounts. Have W2 income? No problem, we'll separate it out automatically.
Calculate your Solo 401k and SEP IRA contributions effortlessly inside the dashboard.
Everything else that keeps the buckets honest
One-Time Transfer
Move money straight between two categories, like $3,000 from Wedding to Maintenance, or boost a category with unallocated cash you're sitting on. Works category to category, or into and out of unallocated.
Withdrawals
Log every expense in one place, whether it's a specific credit-card charge or a cash purchase, and PriorityPay matches it against the category it came from so your buckets always reflect what's actually still there.
Month Close-Out
Confirm each month's transactions once, and PriorityPay recommends exactly how much to send to your Tax Reserve and retirement accounts based on what actually came in.
Not sure what tax strategies apply to you?
Take our free 2-minute quiz. Answer a few questions about your income, family, and business setup, and get a personalized list of tax strategies worth researching. No account needed.
Take the free quizFrequently asked questions
Stop reacting to your finances. Take an effortless, proactive approach.
Set your percentages once. Every deposit after that is routed to savings and investments automatically.
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