FINANCIAL OS FOR SHIFT WORKERS
Know what today's shift
pays — before the paycheck.
ShiftFinance blends your schedule, pay rules, and bills into a single answer: how much you can safely spend, when the next shortfall hits, and what one extra pickup would be worth. Built for nurses, PRN staff, first responders, and anyone whose paycheck moves with the schedule.
1,600+
US ZIPs covered
50
US states, progressive tax
<50ms
Page transitions (p95)
$5/mo
Pro tier, 14-day trial
LIVE DASHBOARD · SAMPLE DATA
CASH ON HAND
$3,420
SAFE TO SPEND
$1,865
NEXT PAYCHECK
$2,140
NEXT 14 DAYS
- Rent · 1st$1,350
- Car · 3rd$412
- Electric · 8th$96
- Internet · 12th$75
STABILITY
72
SteadyCash covers 1.4 months of obligations. Debt pressure moderate. No shortfall in the next 30 days.
WHAT'S INSIDE
Six pieces that turn a chaotic paycheck into a plan.
Paycheck forecast
Shift-by-shift math across your calendar. See net pay for your next paycheck before you work it, with differentials (night, weekend, charge, certification, pickup) and progressive federal + state + FICA tax baked in.
Safe-to-spend math
Not just cash-on-hand — cash minus everything hitting before your next payday. Answers the one question your bank app never will: can I actually spend this right now?
Viability engine
Would you actually make it in a new city? Drop a ZIP, get residual income after local cost-of-living, debt service, and obligations. All 50 states, HUD Fair Market Rent calibrated.
ZIP Explorer
Compare up to 3 cities side-by-side. Housing, utilities, groceries, transport, healthcare — every line item cross-validated with CPI and HUD data. (Pro)
Shortfall alerts
Negative projected cash before a bill hits? We surface it on the dashboard the moment it becomes true. Anomaly detection flags unusual spending before it wrecks your month.
Built for operators
1,100+ regression tests, 5 CI security gates, audit logs on every money-touching event. Your data is read-only by default — every mutation is scoped to your user_id.
WHO IT'S FOR
Built for workers who can't predict next month on a calendar alone.
I stopped guessing what my check would be. Logged my shifts, saw net pay, and I was $80 off — the app was right, I forgot about a weekend differential. Now I plan my rent without stress.
Marisol P., ICU nurse
Dallas, TX · 3 hospitals
Moved from Phoenix to Portland. The viability score told me I'd be $420/mo short on the same pay, so I negotiated for $3/hr more. Paid for ShiftFinance 50× over in one conversation.
Daniel K., travel paramedic
Moved in 2025
Four agencies, four pay rates, four sets of differentials. I stopped trying to keep them straight in my head. The dashboard just tells me what each pickup is actually worth.
Harper L., agency RN
PRN across Bay Area
PRICING
One plan. Honest. Cancel anytime.
FREE FOREVER
$0
No credit card. No ads. No data selling.
- Unlimited shifts, bills, debts, budgets, goals
- Full dashboard + paycheck forecast
- Progressive tax engine · all 50 states
- One viability scenario
- Home ZIP cost-of-living context
- Anomaly alerts + insights
PRO
$5/mo
14-day free trial · cancel anytime.
- Everything in Free, plus:
- ZIP Explorer — compare 3 cities side-by-side
- Unlimited viability scenarios
- CSV + PDF export for every view
- Bill OCR — snap a photo, we extract
- Priority email support
QUESTIONS
The skeptical shift worker's checklist.
Do I need to connect my bank account?+
No. ShiftFinance works from the data you enter — shifts, pay rules, bills. That's a deliberate choice: you don't need to give a third-party access to your bank for a paycheck forecast to work.
What does Free include?+
Unlimited shifts, bills, debts, budgets, and goals. Full dashboard. Paycheck calendar and forecast. Progressive tax engine for all 50 states. One viability scenario. Home ZIP cost-of-living context. Anomaly alerts.
What's Pro for?+
Compare up to 3 ZIPs (vs 1). Unlimited viability scenarios. CSV + PDF exports. Bill OCR (snap a photo, we extract). Priority email support. $5/mo with a 14-day free trial; cancel anytime from /settings/billing.
How accurate is the tax engine?+
It uses 2025 federal brackets + state brackets + FICA, estimated at the shift level. It's not a tax return; it's a paycheck forecast. In our own testing the shift-level net lands within ±$40 of what actually clears, mostly driven by pre-tax deduction estimates you control.
Stop guessing your paycheck.
Free for life. No credit card. 60 seconds to your first safe-to-spend number.
Start free