Now on iPhone, iPad and Android
Safe Spend shows one number: what is safe to spend after your bills, goals and what's still coming in. Log expenses in seconds, scan receipts, or import a statement — no bank connection, no credentials shared, nothing sold.
Your balance still includes rent that hasn't left yet. Safe to Spend takes out what's already spoken for. Put in your own figures — nothing leaves this page.
Safe to spend
$1,400
Safe — Healthy room to spend
Get this number automatically, updated every time you log something.
If that has ever stopped you from trying one, you're not being paranoid. You're being reasonable — and you've been out of options.
Most budgeting apps can't show you anything until you hand over the credentials to your actual bank account, usually through a third-party data aggregator you've never heard of.
Once connected, every purchase you make flows through someone else's servers. What happens to it after that is a paragraph in a policy document you didn't read.
Revoking access stops new data. It doesn't retrieve what has already been collected, shared with partners, or retained under a policy that changed after you signed up.
Safe Spend never asks. You log what you spend, and your bank stays between you and your bank.
The tools of a full budgeting app, built around one number you can trust.
Know where you stand
Open the app and the first thing you see is what is safe to spend until the month ends, with a health score, cash flow and budget status underneath.
Log it your way
Pick whichever is fastest in the moment. Safe Spend suggests the category, so most entries take two taps.
Without a bank connection
Download a statement from your bank yourself, drop it in, and Safe Spend turns it into categorized transactions. You check the preview before anything is saved, and your bank never hears about it.
Stay ahead
Budgets know about your upcoming bills and goals, so the number you see already has them taken out.
Ask, don't guess
Ask whether you can afford something and get an answer based on your own income, bills and spending, not generic advice.
See the pattern
Income against expenses, spending by category, net worth over time and a forecast of where the month is heading.
Whether you're a student, freelancer, or managing a family — Safe Spend adapts to your life.
Irregular income makes budgeting feel impossible.
Track multiple income streams, set flexible budgets, and always know your true spending power.
Just starting out and unsure where your money goes?
Build smart money habits early with a free 7-day trial. Simple expense tracking and savings goals that grow with you.
Juggling bills, groceries, and saving for the future.
Manage household budgets, track recurring bills, and plan together for big family goals.
Don't want to hand over your bank login to an app?
Safe Spend never asks for bank credentials. Manual entry means you stay in full control — your data is protected by Row Level Security.
No complicated setup. No confusing spreadsheets. Just clarity.
Download the app, sign up with your email and add what you have right now. No bank login, no account numbers — and you're looking at your first Safe to Spend number in about two minutes.
Type an amount and a word or two, snap a receipt, or import a statement. Safe Spend suggests the category, so most entries are two taps — and recurring bills log themselves.
After a week you can see where the money actually goes. After a month you can set budgets that match your real life instead of a guess, and watch your debt payoff date move closer.
Prefer a browser? Use the web app
Bank-connected apps are the fastest to set up. Safe Spend is for people who would rather type less than trust a connection.
Swipe the table sideways to compare →
| Feature | Safe Spend | Spreadsheet | Bank-connected apps |
|---|---|---|---|
| Works without your bank login | Yes | Yes | No |
| No data aggregator between you and your bank | Yes | Yes | No |
| Works with any bank, in any country | Yes | Yes | Partly |
| Transactions arrive automatically | Partly | No | Yes |
| Scan receipts and import statements | Yes | No | Partly |
| Safe-to-spend number after bills and goals | Yes | Partly | Partly |
| Budgets, goals, debt payoff and reports built in | Yes | No | Yes |
| AI coach that knows your numbers | Yes | No | Partly |
| No formulas to build or fix | Yes | No | Yes |
A general comparison of approaches; individual products differ. Reviewed October 2026.
We built Safe Spend with privacy-first principles. No bank connections, no data selling, no compromises.
We never ask for your banking credentials, and no third-party data aggregator sits between you and your bank. There is nothing to revoke later.
Every user's data is isolated at the database level. Policies are enforced by Postgres itself, not by application code, so no account can read another's rows.
Traffic is encrypted with TLS, and stored data is encrypted at rest with AES-256 by our infrastructure provider.
We don't sell, share or monetise your financial information, and we run no advertising trackers on this site.
Your data is yours. Export everything to CSV or PDF whenever you like, and deleting your account removes it.
Manual entry means nothing is collected that you didn't type. The smallest data footprint is the one you control.
One plan, two ways to pay: $9.99 a month or $89.99 a year. The app shows the price in your own currency. Try it free before you commit, and cancel anytime.
Saves $29.89 a year versus monthly billing.
Cancel anytime · No hidden fees
Free trials: the web app gives 7 days with no card; on iPhone and Android the 7-day trial comes with the annual plan and is handled by the App Store or Google Play, which also take the payment. After a trial your data stays, read-only, until you subscribe — nothing is deleted. Web payments use Paystack (cards, bank transfer, mobile money).
Everything you need to know about Safe Spend.
Still have questions?
Contact our support team →Free to download. Try it before you pay.
No signup, no email, no bank connection. Just answers.
A practical guide to financial clarity — 12 chapters, 6 worksheets, a glossary and a 30-day plan. Not ready for a trial? Start with the book instead.
