Safe to spend

Today's pocket, at a glance.

The signature safe-to-spend gauge turns income, bills, and goals into one clear number: what you can spend today without falling behind.

A fuel-gauge arc that drains as the day is used
A pace-marker for the time left in the period
Switch between today, this week, and this month
Simulate & Reset Day

Try a purchase before you make it.

Simulate shows what a purchase would do to today and the days after, before you log it. Reset Day spreads what’s left evenly over the remaining days, so today starts fresh. Neither touches your balance.

See the days ahead before you buy
Happy with it? Log it straight from the preview
Reset today without touching your transactions
Whole-month view

See the month before it happens.

The monthly projection lays out income, recurring bills, and planned spending across the month ahead, so surprises stop being surprises.

Past, current, and future months in one place
Four views: All, Incoming, Recurring, Planned
Know the shape of the month on day one
Recurring bills · mark paid

Never get surprised by a bill again.

Every recurring expense sits in one list with its date and amount. Mark each one paid as it clears, and the month stays honest.

Rent, utilities, and subscriptions, all tracked
Tap to mark paid, pick the account, fix the amount if it differed
Bills are counted against the month automatically
Savings plans & trips

Save toward the goal on purpose.

Set a savings plan and watch it fill. Add a one-off boost on a good month, and give trips their own fund so the holiday is already paid for.

Savings plans with clear progress
One-off boosts when you’re ahead
Trips & trip fund, saved for deliberately
Credit cards & loans · Pro

Cards and loans, planned into your month.

Safe to spend only sees the card bill, not each purchase, so a card never makes today look richer or poorer than it is. Card bills and loan payments land in Monthly on their own, tagged CREDIT and LOAN.

Purchases still count against your category budgets
Pay each card bill in full or a fixed amount
Loans show what’s left and when they’re paid off
Shared money

Pooled, or personal & shared.

Budget as a household in one shared pot, or keep personal pockets alongside a shared one. You / Together gauges, personal and shared tags, and settle up keep everyone clear.

Pooled or personal-and-shared modes
You / Together gauges, side by side
Settle up, no scorekeeping

And the details that keep it honest.

Variable budgets

For the spending that moves month to month: groceries, going out, the rest.

Custom categories

Rename and recolor categories to match how you actually spend.

Pay-period budgeting

Paid every two weeks or on the 15th? Budget paycheck to paycheck, and each paycheck is a fresh start.

Guided walkthroughs

Short tours explain every screen. Replay any of them in Settings → Help & tips.

Private by design

No bank login required. You add your own numbers, and your data stays yours.

English + Suomi

Fully bilingual, switchable any time.

iOS, Android & web

The same budget, wherever you check it.

7 themes

Seven palettes, each light, dark, or following your device.

Calm by default

No shame, no urgency. Just clarity, with animations that respect your motion settings.