On the Insights tab
See what your spare change adds up to
PayDay's Insights tab shows what rounding each card purchase up to the next dollar would have added up to. PayDay does not move round-ups itself. Your splits do the saving.
Loose change
EstimateLast 30 days
$31.40
If each card purchase had been rounded up to the next dollar
A week
$7.33
A year
$382.03
From 58 card purchases in the accounts you picked. Payments, bills, moves between your accounts and buy-now-pay-later instalments are left out. PayDay does not move round-ups.
Why spare change is worth a look
Small change never gets saved
The odd few cents on every purchase could add up, but there is no easy way to capture it as you go.
Saving takes willpower
Setting money aside on purpose is hard. Saving without noticing is far more likely to stick.
Everyday spending feels wasted
Coffee, petrol, groceries. Ordinary purchases pass by without ever nudging you closer to a goal.
Goals feel out of reach
A savings target can feel distant when the only way there is large, deliberate transfers.
What the Insights tab shows
The figure comes from your own purchases, so it shows what round-ups would mean for you, not for an average spender.
From your own card purchases
PayDay looks at your card purchases from the last 30 days, in the accounts you picked on the Insights tab, and works out what rounding each one up to the next dollar would have added up to.
A week and a year
You see the total for the last 30 days, what that works out to a week, and what it would come to over a year.
Only real purchases
Payments, bills, moves between your own accounts and buy-now-pay-later instalments are left out, so the figure is not inflated by money that was never a purchase.
Saving it for real
Round-ups show what small change adds up to. A split rule saves from every pay before you spend it.
Common questions
Does PayDay move my round-ups into savings?
No. The Insights tab shows what your round-ups would have added up to, but PayDay does not move that money. If the figure looks worth saving, set a split rule for it and PayDay moves that amount from every pay.
How is the round-up figure worked out?
PayDay takes your card purchases from the last 30 days in the accounts you picked, rounds each one up to the next dollar and adds up the differences. Payments, bills, moves between your own accounts and buy-now-pay-later instalments are left out. It shows that total, what it works out to a week, and a yearly figure projected from it. It is an estimate, and the card shows how it was worked out.
Does PayDay store these figures?
No. When you open the Insights tab, PayDay reads your recent transactions through Akahu and works the figures out in the app. It does not store them. Our privacy policy has the details.
Can I already save automatically with PayDay?
Yes. You do not need round-ups to start. PayDay already moves a fixed amount or a percentage of every pay into savings soon after it lands.
See your own loose change
PayDay is in private testing. Join the waitlist and we will email you an invite when a spot opens up.
Join the waitlist