Safe to Spend · /features/safe-to-spend
One number that’s actually safe.
Your bank balance lies to you — it doesn’t know rent is coming. Safe to Spend does.
Your balance says $1,830. But rent hits Friday, the electric bill lands next week, and payday is still nine days out. How much of that $1,830 is really yours to use today?
Safe to Spend answers that. Monilibrium projects your balance forward through every upcoming payday and bill, finds the lowest point your money will reach low-water mark, and hands you the difference. Spend inside that number and every bill still clears.
Safe to spend today
$247.60
TODAY
+$1,240
Rent $950
~$85
$63 low · Oct 14
+$1,240
In the app
- Front and center on your Today screen — it’s the first thing you see.
- Updates the moment you log a purchase or a bill arrives.
- Spending from a bucket doesn’t lower it — that money was already set aside.
- Yours for anything — though sending it at your debt is how the family behind Monilibrium got out of theirs.
Keep reading
- Understanding Safe to Spend · guide · 4 min
- Setting up your first bucket · guide · 3 min
- Glossary: every term defined