breadmaxxer
breadmaxxer is a budgeting app built for tipped work, not a tip jar bolted onto a paycheck app. track what lands after tip-out and set-aside, shift by shift, and budget off the floor instead of the good fridays.
log a night — wages, tips, tip-out — and see what you actually kept, not the gross. a few weeks in, you know which shifts carry you.
card fee and tip-out skim every payout. see what survives, and what the card fee alone costs you across a year.
pull the tax slice the moment money lands. breadmaxxer keeps the "no tax on tips" math honest — federal income deduction, but FICA and state still owed.
budgets that match your pay cycle, not the calendar. see your runway to the next deposit and whether a slow stretch is covered.
Yes — free, no card. Pro is optional at $8.88/mo or $88/yr if you want 10× the Bread chat (100 a day), multi-bank tracking, and advanced analytics.
No. You can log shifts and tips manually or import a CSV and still use the whole app. Bank sync with Plaid is there if you want it — and it is read-only.
Yes. You can track tip-out as a percent of your tips or a percent of your sales, so your take-home reflects what actually left your pocket.
It keeps the math honest: up to $25k of tips can be deducted from federal income tax for 2025–2028, but payroll tax and state tax still apply, so Breadmaxxer still helps you set the right amount aside.