How SafeSpend Works
We do the heavy lifting so you don't have to. Here is exactly how we calculate your Safe To Spend number.
1. Total Balance
We securely check your linked bank accounts to see your available cash right now. We automatically account for pending transactions so there are no surprises.
2. Upcoming Bills (The Bills)
SafeSpend safely scans your history to find your recurring Direct Debits, standing orders, and subscriptions that are due before your next payday. We lock this money away in the math.
3. Your Safety Net
We reserve a Safety Net for your daily essentials—like groceries and fuel. We treat this money as "already spent" so you always have a financial cushion.
Safe To Spend
A single, clear number. If it is in the green, it is yours to spend Yours to Spend until payday. No mental gymnastics required.
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