We teach. We don't advise. PayDay explains what investing words mean and reports what companies have paid. It is education, not a recommendation to buy, sell, or hold anything.
Not financial advice
Nothing in PayDay is investment, financial, legal, or tax advice, and nothing is tailored to your situation. PayDay and the people who make it are not a registered investment adviser, broker, or dealer. Before you put real money anywhere, talk to a licensed professional who knows your circumstances.
About the numbers
Company figures come from public reports filed with the U.S. Securities and Exchange Commission. We check them regularly, but filings can be late, restated, or misread, and past payments do not guarantee future ones. "If the pattern holds" ranges are simple estimates from past data — they are a way to picture a range, not a prediction. Share prices come from a public market-data feed, can be delayed by several minutes, and can occasionally be wrong; the price your broker shows is the one you would actually pay. Stocks and funds shown in the app are examples for learning, not recommendations. Any price or share count you type in is yours and stays on your phone.
Companies are examples, not picks
The twelve companies in the app are there because they are large, well-known, and file clear reports. Their presence is not a recommendation, and the order they appear in means nothing.
Your decisions are yours
You are responsible for any decision you make. To the fullest extent the law allows, PayDay and the people who make it are not liable for losses arising from use of the app or reliance on its content.
Using the app
PayDay is licensed to you for personal use under Apple's standard End User License Agreement. Don't copy, resell, or redistribute the content. We may update or discontinue features at any time.
Purchases and the Options Calculator subscription
Full Access is a one-time purchase. Options Calculator is a separate, optional auto-renewing subscription (monthly or yearly) and does not change Full Access. New subscribers get a 3-day free trial where eligible. Payment is charged to your Apple Account when the trial ends or when you confirm the purchase. The subscription renews automatically at the same price for the same period unless it is turned off at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. You can manage or cancel it any time in your Apple Account settings (Settings > your name > Subscriptions), or from PayDay's Settings. If you cancel during the free trial you are not charged. Any unused part of a free trial ends when you buy a subscription. Purchases are also governed by Apple's Standard End User License Agreement.
My Options explains how options work and compares setups for a view you choose, using delayed public option quotes, a standard pricing formula, and a community-maintained earnings calendar and volatility history. Those figures are verified and tested every day, but they remain estimates and models: they are not live quotes, predictions, or recommendations, and nothing in My Options is tailored to you. Options carry substantial risk and are not suitable for everyone; you can lose your entire outlay quickly, and in some setups more than you put in.
Before trading options, consult a licensed financial professional and follow your broker's own rules, approval levels, and recommendations. You use My Options at your own risk. Whatever you decide to do with what you learn here is your decision and your responsibility, and to the fullest extent the law allows, PayDay and the people who make it accept no financial responsibility for any individual's actions or their results.