Commitments taken out first
Projected income for the month, less recurring bills still to come and what your budgets have reserved. What survives is genuinely uncommitted.
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See plans The one number
Safe-to-Spend Today: one number, not a dashboard
Your balance does not tell you what you can spend, because rent has not left yet. This does. It is what remains after the bills and budgets you already committed to.
Available onAll plans
What you get
Divided by the days left
The remainder is spread across the days remaining, so the figure answers today rather than describing the whole month.
It moves as you spend
Log a purchase and the number changes immediately. Skip a bill occurrence and it changes too.
Forecast forward on Pro
Free shows today. Pro projects the weeks ahead, so a tight stretch before the next payday is visible while you can still act on it.
How it works
Add income and bills
Pay sources with their real frequency, and the recurring bills that repeat each month.
Set budgets, or do not
Budgets sharpen the figure by reserving money for known categories, but it works without them.
Check one number
It sits at the top of the dashboard, the largest thing on the screen. That is the whole interaction.
Why a balance is the wrong number
A bank balance flatters you right after payday and frightens you the day before. It counts money already promised to rent, insurance and the hydro bill as though it were yours to spend, then goes quiet about the fact that three bills clear on the 28th. Safe-to-Spend removes what is already committed before it tells you anything. That matters most in households with variable hours or biweekly pay, where the balance swings for reasons that have nothing to do with whether a purchase is affordable.
Common questions
How is Safe-to-Spend Today calculated?
Projected income for the month, minus recurring bills still due, minus what your budgets have set aside, divided by the number of days left in the month. Spending draws it down as you go.
Is it available on the free plan?
Yes. The daily figure is on every plan. The forward projection that extends it across coming weeks is a Pro feature.
What if my income is irregular?
Income sources are modelled with their real frequency, including hourly work and variable pay, and you can record what actually arrived for a given period. The projection uses those actuals rather than assuming a flat monthly salary.
Does it include sales tax?
Yes. Spending is counted at the total including tax, because that is the amount that clears your account.
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