Free calculator
How much can I spend today?
Four numbers and you know what today can take, without wrecking the rest of the month.
Runs in your browser. Nothing you type is sent or saved.
After anything you already spent today.
Rent, card bill, standing orders, loan payments.
Safe to spend today
$45
About $45 a day for the next 20 days.
- Free to spend until payday
- $900
- Per day
- $45
- Days until payday
- 20
How this is worked out
- Bills and savings come off first; the rest is shared evenly between today and the days until payday.
- Payday itself is not counted, because new money arrives that day.
- Today’s spending is added back and then taken off today, the same way Balance does it.
Want this number every day, without the math?
Balance shows this number on your home screen from your budgets, and it updates as purchases are logged, including Apple Pay once the Shortcut is set up.
Start free
Free. No card, no bank login.
Safe-to-spend questions
The money that is free for day-to-day spending once your bills and savings for the period are set aside, shared out evenly over the days until you get paid. Spend less today and tomorrow’s number goes up.
Yes. If a card bill or any other charge will leave your account before payday, add it to the bills still to come.
It is the same idea. In the app the number runs to the end of the month, comes from your budgets or your income and spending, and updates by itself as purchases are logged.