Stop juggling bills in your head. My Safe-To-Spend gives your household one clear number per account — always up to date, always honest.
Start free — 30 days on usThen $9.99/month or $99/year · Cancel anytime
Zero mental load
Transfer the burden of remembering every bill to the tool.
Ready for households
If you share finances, you should both see the same number.
Multiple accounts
Track checking, savings, HSA — each with its own Safe-To-Spend.
Easy to update
Update in a flash to keep your number accurate.
Try it — this is the real thing
Checking — Safe to spend
$397.00
Balance $1,247.00 · $850.00 reserved
Rent
In 3 days
See it update in real time
Rent is reserved from your balance until it's paid. Add a grocery run and watch Safe-To-Spend drop the moment it's entered.
New expense — ready to add
I stopped lying awake wondering if we had enough for rent. Now I just check the number.
Early access user · Household of two
Start free. Stay only if it helps.
Free trial
30 days free
No credit card required
Monthly
$9.99/mo
After your free trial
Annual
$99/year
Two months free
Does it connect to my bank account?
No. My Safe-To-Spend is a manual tool — you enter your balance, income, and bills yourself. We never see your account numbers, bank credentials, or any information from your financial institution. The only financial data we store are the names and amounts you choose to enter.
How does the Safe-To-Spend number work?
We subtract any upcoming expenses that aren't covered by income arriving before they're due from your current balance. The result is how much you can spend without putting a single bill at risk.
Can I track multiple accounts?
Yes. You can track up to 5 accounts — checking, savings, HSA, or anything else. Each account has its own Safe-To-Spend number. Your household dashboard shows all accounts at a glance.
Can my partner or spouse use it too?
Yes. You can invite a household member and you'll both see the same accounts and numbers in real time. Any updates either of you make are reflected immediately.
What happens after my free trial?
We'll remind you 7 days before your trial ends. After 30 days, your account will be paused — your data is preserved and waiting for you. You can subscribe at any time to pick up exactly where you left off. No credit card is required to start your trial.
Is my financial data secure?
Yes. All data is encrypted at rest and in transit. Each household's data is strictly isolated — no other user can ever see your information.
What if I miss a transaction?
Your number will be off until you update it, but the app makes it easy to catch up. If you've been away for a while, we'll walk you through a quick review when you return.
Your first 30 days are completely free. No credit card required.
Create your account$9.99/month or $99/year after trial · Cancel anytime
My Safe-To-Spend