1
Add your pay
Put in what you expect to be paid and what actually lands, including any extras that month.
Salary£1,750
Overtime£150
Take-home pay£1,900
Your monthly pay planner
Give every pound of your pay a job.
PayStamp helps you split your pay into categories, so your money moves to the right places every month. Set your plan up once, check it each payday, and stamp the month into your record.
Free to use
No bank login needed
Works on phone and laptop
September 2026Example plan
Income£1,900
Salary1,750
Extras150
Investments & Savings12% of pay
Stocks & Shares ISABills173
Emergency fundEveryday40
Costs59% of pay
RentBills650
GroceriesEveryday220
Guilt-free spending24% of pay
Eating outEveryday300
Zero-based balanceEvery pound has a job.£0
How it works
Three steps, once a month.
PayStamp follows zero-based budgeting: your pay minus everything you’ve planned should come to exactly £0, so nothing is left without a purpose.
2
Check the plan
Your plan carries over from last month, so every pound already has a job. Check nothing has changed and that your zero-based balance is £0.
Left without a job£0
3
Stamp the month
Happy with the plan? Press STAMP to save the month into your records and compare as the year goes on.
| Item | Jul | Aug | Sep |
|---|---|---|---|
| Groceries | 222 | 228 | 220 |
| Eating out | 300 | 295 | 300 |
| Balance | 0 | 0 | 0 |
What you get
Everything your payday needs, on one page.
Categories that fit your life
Add, rename and drag items into the order you want, or move them to a different category entirely.
Know where it’s paid from
Set the account for each payment and see the total that needs to be in each one.
Track what’s automated
Tick off payments once they’re set up as standing orders or direct debits, so you know what still needs doing.
Recommended percentages
Set your aim for savings, costs and spending, and see how this month’s plan compares in pounds and percent.
A clear month summary
Take-home pay, budgeted total, targets and your zero-based balance, all in one place.
Records you can keep
Every stamped month builds your record. Save each year to its own Excel file whenever you like.
Why PayStamp
No bank login. You stay in charge.
Many money apps want to connect to your bank and sort your spending for you. PayStamp works the other way round: you decide where your pay goes before you spend it.
- Nothing to connectYou never share bank details or logins. You type in the numbers yourself.
- Private to your accountYour plan is saved to your account, and only you can see it.
- Ten minutes on paydayYour plan carries over each month. Update what changed, check the balance, and stamp it.
Questions
Good to know.
Can’t find your answer? Email hello@paystamp.co.uk.
Is PayStamp free?
Yes. Create an account and start planning for free.
Do I need to link my bank account?
No. PayStamp never asks for bank details or logins. You enter your pay and payments yourself, which keeps you in control of every decision.
What is zero-based budgeting?
It means planning until your pay minus everything you’ve assigned equals £0. Savings, bills and fun money all count as jobs, so every pound is accounted for before the month starts.
Where is my plan saved?
Your plan is saved to your PayStamp account as you go, so it’s there whenever you sign in. Only you can see it.
Can I use it on my phone?
Yes. PayStamp works in the web browser on your phone, tablet or computer. There’s nothing to install.
Can I keep a copy of my records?
Yes. From Records you can save each year to its own Excel file, which opens in Excel, Numbers or Google Sheets.
Ready to plan this month’s pay?
Set it up once, then stamp each payday.