SafeSpend Support
Welcome! Whether you're here from social media looking for help with ADHD budgeting, or just need a hand understanding your Honest Balance, you're in the right place.
How SafeSpend Works
Got questions about how our Honest Balance works behind the scenes? Find your answers below.
Frequently Asked Questions
Why does my bank keep disconnecting?
For your security, Open Banking regulations (PSD2) require you to re-authenticate your bank connection every 90 days. If you see a warning in the app, simply tap the Relink button on the dashboard to securely reconnect via TrueLayer. We never see or store your login credentials.
What is the difference between Smart and Fixed Safety Nets?
Your Safety Net is money we pretend is "already spent" so you have a cushion.
- Fixed: A strict, unchanging monetary floor (e.g., £50) that you set manually in your Settings.
- Smart: The engine automatically calculates 10% of your remaining cycle reserve. It adapts to you, dynamically scaling up or down based on your actual cleared funds.
Why is my "Safe to Spend" lower than my actual bank balance?
This is the magic of the Waterfall engine. Your bank shows you what you have right now, but SafeSpend shows you what is truly yours after locking away money for your upcoming bills and your chosen Safety Net. It provides radical clarity so you don't accidentally spend next week's rent.
How do I temporarily stop money going into savings?
If you are having a tough month, head to the Settings tab in the app and toggle on Pause Automated Savings. The engine will instantly stop any automated sweeps to your Vault, giving you maximum liquidity without deleting your long-term goals.
If I have a Surplus, but all of my spending is Groceries or Fuel... do I stay in a Surplus shown in the app?
Yes, absolutely! Your Surplus is your true "Safe to Spend" money, meaning all of your survival needs (like upcoming bills and your daily life routine, including groceries and fuel) have already been budgeted for and securely walled off by the engine. When you buy groceries, you are simply spending from your pre-allocated "Daily Life" reserve. Your Surplus remains completely untouched and perfectly stable.
What happens if I don't spend my "This Week's Guide" amount? Does my Surplus go up?
No, your Surplus won't artificially increase, and that's a good thing! SafeSpend uses a Macro-Cycle (tracking your full budget from one payday to the next) rather than rigid weekly limits.
This Week's Guide is simply a supportive stat—it's calculated by taking your total Daily Life Reserve, dividing it by the days remaining, and scaling it to a week. It is not a strict allowance you have to worry about.
If you spend less than the guide this week, that money doesn't leak into your Surplus. Instead, it remains safely locked inside your Daily Life Reserve. As the days pass, the engine recalculates the guide based on your remaining unspent reserve, meaning your This Week's Guide will naturally increase to give you a more comfortable horizon!
This allows you to safely "roll over" unspent money for bigger grocery trips later in the month without the app punishing you, forcing you to track loose change, or giving you a false sense of extra "Safe to Spend" cash.
How can I delete my account or reset my data?
We believe you have the right to be forgotten. If you want to permanently delete your account, visit the Delete Account page for instructions. If you just want a clean slate (disconnect banks and wipe budgets without deleting your account), you can visit the Delete Data page.
Still stuck?
If you've found a bug, have a feature request, or just need a human to help you sort out your dashboard, reach out directly.