💰 Safe-to-Spend Today
The question you ask before every purchase: "Can I afford this today?" One number, updated daily — no guessing, no anxiety.
Your safe spend today
— left · — until payday
Manual entry only — this tool never connects to your bank, and your numbers never leave this browser. Check it before you spend, like checking a bank balance.
Frequently asked questions
How is my safe-to-spend number calculated?
Money left after bills due before payday, divided by the days left until payday. Log spending during the day and tomorrow's number updates.
Why is my bank balance not my safe number?
Your balance includes money already spoken for — rent, bills, subscriptions. Safe-to-spend subtracts those first, so the number is what you can actually use.
Does this connect to my bank account?
No. You enter the numbers yourself and they stay in your browser. There is no bank login, no sync and no account.
What if payday has already passed?
Tap "New payday cycle" and enter your next payday — the calculator resets for the new pay period.