Paychecks

Paydays drift. A deposit lands a day early before a holiday, or late when payroll runs slow. A funding schedule linked to your paycheck fills your buckets the day the money actually arrives, not on a date you guessed.

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How Copper finds your paycheck

Copper looks through the last four months of deposits in your budget for pay: the same payer, a steady amount, on a steady rhythm. A deposit counts when your bank labels it as income (interest, dividends and tax refunds don’t count) or its description says something like payroll, salary or direct deposit, and it’s at least $50. A new job or a changed pay rhythm shows up once a few paychecks have landed.

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Link a schedule to your paycheck

When Copper finds a paycheck that no schedule follows yet, Settings › Funding Schedules shows a Paycheck found card with the payer, how often they pay and about how much. To link an existing schedule, open it and turn on the paycheck under Run When Paid. The schedule takes on the paycheck’s timing. Turning it off keeps the days as they are and goes back to running on a fixed date. Not a paycheck? Tap the × on the suggestion to dismiss it.

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When a linked schedule runs

To count, a deposit has to come from the same payer and be at least half the usual amount, so a small reimbursement from your employer doesn’t trigger a run. If a few deposits land together, like pay and a bonus, the biggest one counts. When a paycheck runs the schedule, the notification leads with the deposit, then how much went into your buckets and what’s left-to-spend.

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Paychecks elsewhere in Copper

• Heads-up alerts look ahead to your next paycheck when a schedule follows one. See Heads-up alerts.
• The daily allowance on the Left-to-Spend card and widget counts the days until your next funding run.

How much each bucket gets on payday works the same as any schedule. See Funding schedules.