Safe to Spend, explained

Safe to Spend is the single number that answers a question you ask yourself constantly: "What can I spend right now without breaking anything?"

It's the most-glanced-at number in the app. Members see the same Safe to Spend you do; their widgets catch up the next time the app refreshes.

What goes into it

Safe to Spend = the balances you count + pay expected in the period − Committed.

• Balances you count: every account you leave checked, linked or typed in.
• Pay expected: income due before the period ends.
• Committed: bills due in the period (paid ones stay until your bank shows them), goal contributions, money you set aside, and each account's buffer.

You pick the period: Until Payday, Half Month (the 1st to the 14th, or the 15th to the end), Rest of Month, This Week, This Month, Next 30 Days, or a custom range. With a payday it starts on Until Payday; without one, on Half Month. On the website you can choose Half Month, Rest of Month or Next 30 Days, and the period you choose follows you to every page.

How it updates

Anything that affects an input updates the number:

• A bill is marked paid → it stays in Committed, as "Paid, not yet cleared", until the account it was paid from shows the payment, so it is never counted twice.
• A new transaction posts → Safe to Spend ticks down by that amount.
• A new bill is added → Safe to Spend ticks down to reserve for it.
• A reserve is adjusted → Safe to Spend follows.

The lock-screen widget mirrors the same number. Same number, every phone.

How to read it

The number itself isn't the whole story. The two-line micro-context underneath ("after 3 upcoming bills · 2 Keep-in-Account amounts") tells you why it is what it is. If something looks wrong, tap the number to see the full breakdown.

If the number is red, you're projected to overdraw before the next inflow. The app surfaces a "what to fix" suggestion below.

Where to go next

• Link your bank — required for accurate cash totals
• Scan a bill — the fastest way to add bills with auto-fill
• Share with your partner — turn on the shared widget layer