Most stress comes from uncertainty. Our "Safe-to-Spend" number eliminates the guesswork by doing the mental math for you.
We start with your reliable monthly paycheck and current cash on hand.
Rent, utilities, insurance, subscriptions. These are non-negotiable.
We treat your savings like a bill. Pay yourself first, automatically.
We subtract your credit card balances and recent debit spending instantly.
The guilt-free money left over for groceries, dining, and fun.
No more mental math. Stop standing in the aisle wondering if you can afford the extra item. Check the number.
Savings are guaranteed. By subtracting savings before spending, you prioritize your future self.
Spending feels good again. When you know the money is truly "safe," you can enjoy your latte without the guilt.