thechurn

Plan every bank bonus around one paycheck.

Most direct-deposit bonuses want your paycheck, and you only have one. Put the bonuses in order and thechurn tells you when to open each account, when to switch payroll, which paycheck goes where, and where you'll fall short.

Plans

PlannerPlan the rotation yourself
$0
  • Paycheck rotation planner with switch lead time
  • Timeline, open-by dates and shortfall warnings
  • Payday-by-payday deposit ledger
  • Works without an account; sign in to save
Live trackingEverything in Planner, plus
Pro
  • Link your banks through Plaid, read-only
  • Payroll deposits detected and counted automatically
  • Debit purchases counted against each requirement
  • Balance-hold monitor that catches dips
  • See every transaction that counted, and correct it

The app never moves money, opens accounts or changes your direct deposit.