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 element of the app, and it's the number on every co-decider's lock screen the moment any input changes.

What goes into it

Safe to Spend = Available cash − (upcoming bills + active reserves + savings goal contributions)

• Available cash is the sum of every linked account's current balance.
• Upcoming bills are everything in your Bills list with a due date in your selected window (default: 30 days).
• Active reserves are the per-account "Keep in Account" amounts you've set so nothing bounces.
• Savings goal contributions are the amounts auto-deducted to keep each goal on track.

You pick the timeframe yourself — Today, This week, This month, Next 30 days. Most people leave it on Next 30 days.

How it updates

Anything that affects an input updates the number across every device in the workspace, in real time:

• A bill is paid → Safe to Spend ticks up by that amount.
• 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 active reserves") 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