Safe to Spend

One number you can spend.

Safe to Spend is a home screen widget that shows one number you can spend, with bills and your credit card payment already taken out.

It's built for people paying down card debt who don't want to add new debt.

Join the waitlist

How it works

  1. Enter your income, your bills, and the card payment you plan to make.
  2. The widget takes those out and shows what's left to spend.
  3. Glance at your home screen before you buy something.

Manual, and private

You enter your numbers by hand. There's no bank login, and everything stays on your phone.

It's a one-off purchase when it launches.

Free tool

Try the debt payoff calculator to compare the avalanche and snowball methods for your cards. It runs in your browser and saves nothing.

Join the Safe to Spend waitlist

We'll email you when Safe to Spend is ready.

Your email goes to our mailing list provider, Brevo, so we can tell you when the app is ready.