Coming Soon — Join the Waitlist

Stop budgeting.
Start knowing.

SafeSpend shows you one number — what you can safely spend today — without draining your savings or derailing your goals.

🎯

One Number. That's It.

No pie charts, no categories, no homework. Open the app, see what you can spend. Done in 3 seconds.

🔮

Forward-Looking

We don't track where your money went — we show where it needs to go. Bills, savings, and surprises accounted for.

🛡️

Protects Your Future

Your SafeSpend number reserves money for savings and investing goals first — so you build wealth while you spend.

💚

No Shame. Ever.

Built on behavioral science, not guilt trips. Better choices without judgment.

What's your SafeSpend number?

Enter a few numbers from your banking app — takes about 3 minutes. The real app does this automatically.

Step 1 of 5
Your current balances
Open your banking app and grab these numbers. Checking is required — add savings only if you spend from it.
$
$
Only include this if you regularly spend from savings.
$
Total balance across all cards — check your CC app.
Step 2 of 5
Your income
We use your income to cap your spending — so you're living within your means, not draining your balance.
$
All paychecks combined for one month. If you're paid biweekly, multiply one check by ~2.17.
Step 3 of 5
Bills coming up
Estimate what's due in the next 30 days. Don't stress about exact numbers — close is fine.
$
$
$
Netflix, Spotify, gym, etc.
$
Car, health, student loans, etc.
$
Step 4 of 5
Goals & essentials
Pay yourself first — set aside money for savings and investing before we calculate what's left to spend.
$
401k, emergency fund, brokerage, vacation fund — whatever you're working toward. A common guideline is 20% of take-home pay.
$
$
This amount always stays reserved so you're never at $0.
Your SafeSpend number
$0
That's $0 per day for the next 14 days
Income-based
$0
Balance-based
$0

How we got there

Monthly take-home income $0
Bills (30 days) −$0
Essentials (groceries, gas) −$0
Savings & investing goal −$0
Safety buffer −$0
Income-based SafeSpend $0
Current balances $0
Credit card balance −$0
Bills (30 days) −$0
Essentials (groceries, gas) −$0
Savings & investing goal −$0
Safety buffer −$0
Balance-based SafeSpend $0
SafeSpend = min(income, balance) $0
In the real app, this happens automatically. SafeSpend connects to your bank accounts via Plaid, detects every bill and subscription, learns your spending patterns, tracks your savings goals, and updates your number in real time — no manual entry, ever.
Get Early Access

Get early access

Join the waitlist and be the first to try SafeSpend when we launch. No spam — just launch updates.

You're on the list!

We'll let you know as soon as SafeSpend is ready. Keep an eye on your inbox.

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Coming with premium

The core SafeSpend number is free forever. SafeSpend+ unlocks tools to save more, spend smarter, and build real financial momentum.

🏦

Unlimited Accounts

Link all your checking, savings, and credit card accounts for a complete picture.

🔔

Subscription Manager

Auto-detection, tracking, one-tap cancellation requests, and price increase alerts.

🐷

Micro-Savings

Round-ups on every purchase, end-of-period sweeps, and goal-based savings buckets.

🤖

AI Financial Coach

"Can I afford concert tickets this month?" — get real answers with full financial context, plus weekly check-ins.

💑

Couples & Household Mode

Shared and individual SafeSpend numbers, joint savings goals, and spending accountability.

🔮

Advanced Nudges

"Future You" projections, social proof benchmarks, and personalized behavioral insights.

📊

Export & Reports

Downloadable spending reports and tax-time insights for freelancers and side-hustlers.

$4.99/mo or $39.99/year The SafeSpend number, daily budget, bill calendar, and basic nudges are free — forever.
0
on the waitlist
27%
of Americans doom-spend
$4.99
/mo premium (free tier forever)