Breathe first, then spend Smooth volatile income into a steady line One calm number every day
Log income or forward a receipt → SafeToSpend buffers the surplus from big months and tops up the lean ones, paying you a steady virtual paycheck based on your target salary → your home screen tells you exactly how much you can safely spend today. No bank connection, local-first math, and lean-season warnings before you run dry.
iOS 17+ · Android 8.0+ · English & Chinese · no bank link
Safe to spend today
$128
Virtual paycheck − spent − reserved fixed costs
Buffer lasts 5 monthsWhat's live today
Seven capabilities built around turning volatile income into a buffer that never runs dry — from logging to smoothed pay to early warnings
Cash-flow buffer engine
Surplus from big months flows into your buffer automatically and tops up the lean ones — turning uneven income into a cushion that carries you through low-earning months.
Safe to spend today
Your home screen computes in real time how much you can spend today without going dry next month — virtual paycheck paid, minus what you've spent, minus reserved fixed costs.
Manual entry + receipt forwarding
No bank link. Add entries by hand or snap/forward a receipt; on-device-first OCR pre-fills amount and date via our gateway and never stores the original image.
Virtual paycheck history
Review the steady salary the app pays you each month — a smooth pay line against your jagged real income, so you can see the volatility being flattened.
Lean-season forecast & runway
Know how many months your buffer can carry you at the current pace. When runway drops below your threshold, you get an early warning with trim suggestions.
AI cash-flow coach
Plain-language explanations of how your safe-to-spend and buffer numbers add up, plus general budgeting tips. Every answer carries a clear 'not financial/investment/tax advice' disclaimer.
Fixed-expense planner
Register rent, subscriptions, insurance and their due dates; the app reserves them from your virtual paycheck so safe-to-spend is always what's truly left after the must-pays.
Three steps, from anxiety to certainty
From logging an entry to seeing your safe-to-spend number takes just three steps
1 · Set your target salary
Tell SafeToSpend how much you'd like to pay yourself each month, pick a base currency, and optionally backfill a few months so the smoothing kicks in right away.
2 · Log income or an expense
Add it by hand or snap/forward a receipt. Surplus from big months flows into the buffer; lean months are topped up to keep your virtual paycheck steady.
3 · Check safe to spend
Back on your home screen, one number tells you how much you can spend today — and you're warned early when your buffer runway runs low.
On the way
Multi-currency cash-flow built for digital nomads — Pro subscribers get early access
Multi-currency auto-smoothed pay
Earning in USD/EUR/THB and more? Aggregate across currencies in your base, smooth your pay automatically, and top up lean months — so you always know your safe-to-spend in any country.
Cross-device cloud sync
Keep your ledger and buffer state in sync across iPhone, iPad, and Android in the future.
Data export
Export your income/expense history and virtual paycheck records in a portable format — take your data with you anytime.
Want early access? Use any live feature on Pro and you're auto-enrolled in the early-access list.
Simple, honest pricing
Subscriptions are processed by App Store / Google Play. Cancel anytime. Prices in USD.
Free
The core loop that turns volatile income into a steady paycheck
- Cash-flow buffer engine
- Safe to spend today
- Manual income & expense entry
- Virtual paycheck history
- Fixed-expense planner
- English & Chinese UI
Pro Monthly
Unlock the AI coach, receipt OCR, and lean-season warnings
- Everything in Free
- AI cash-flow coach (with disclaimer)
- Receipt OCR auto-fill
- Lean-season push warnings
- Multi-currency auto-smoothed pay (rolling out)
- Priority email support
Pro Yearly
Buy peace of mind once before lean season, use it all year
- Everything in Monthly
- AI cash-flow coach (with disclaimer)
- Receipt OCR auto-fill
- Lean-season push warnings
- Multi-currency auto-smoothed pay (rolling out)
- Priority email support
Frequently asked
1. Does SafeToSpend connect to my bank account?
No. SafeToSpend never connects to any bank or aggregator. Every entry is added by you, by hand or by snapping/forwarding a receipt. Your financial data stays local-first — that's the heart of our privacy-first design.
2. Is 'safe to spend' financial or investment advice?
No. SafeToSpend is a budgeting and cash-flow management tool and does not provide any financial, investment, or tax advice. It only computes the factual state of your cash flow from the data you enter. All numbers and AI coach answers are for reference only; consult a licensed professional for major financial decisions.
3. Where does the AI cash-flow coach send my data?
When you use the AI coach or receipt OCR, the relevant content is forwarded through our self-hosted server-side AI gateway to an AI model, used only to generate the explanation or recognition result you requested. It is processed on the fly — not retained, not used for training. You're asked to consent in-app before first using any AI feature. See our Privacy Policy for details.