Calm Budget
Welcome back
Bills that fell due
Income you were expecting
Safe to spend
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Bills are reserved, not capped. Paying one does not move this number.
Categories
Insights
Planner
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The month so far
Categories
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Bills that fell due
Income you were expecting
Safe to spend
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Bills are reserved, not capped. Paying one does not move this number.
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Safe to spend
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If no file appeared, save the backup one of these ways:
Step 1 of 5
One number tells you what is safe to spend until your next payday. Let's set it up. First, your currency.
How often do you get paid?
Pick one payday you know. Past or future, either works — it anchors every cycle.
Want to look around with sample numbers first, or start with a clean slate?
Sample data can be cleared any time from Settings → Reset.
Last one. How much of the app would you like to see?
You can change this any time in Settings. Nothing is deleted either way.
Type the amount, then tap a category to save.
Tap a category to file each expense. No rush.
Unpaid bills are set aside from your safe-to-spend number until you mark them paid.
Money you put toward a goal counts as spent for this cycle, so it stays saved.
You can change this any time. Nothing is deleted.
Focus mode lives on this device only. The button at the top of Home turns it on and off.
Both stay on this device. Neither appears in a CSV export or in a backup's filename.
There is no server. Nothing you enter leaves this device, and there is nothing to sync to.
Storage: checking…
Offline file edition — data is saved in this browser only. Use Export to move it.
For a bill that arrives every few months — car insurance, a water bill, an annual subscription — set its repeat to Every few months or Every year, then turn on Put a bit aside each month.
From then on a share of it comes out of your number every month, instead of the whole amount landing on you in the month it is due. The bill row shows what that share is. The day it finally goes out, nothing moves: that money left your number months ago, a bit at a time.
The toggle is off unless you turn it on, and a bill without it behaves exactly as it always has.
If the app has been closed for a week or more, a card appears at the top of Home with the bills that fell due and the income that was expected while you were away, and one question: what is actually in your account right now.
Tick what happened, or tap Or start fresh from today and give it the balance alone. Either way the card goes when you are done. There is nothing to catch up on, and nothing lost by ignoring it.
If your pay arrives a day early whenever payday falls on a Saturday or Sunday, open that income and turn on Paid the working day before, if payday is a weekend. The app then counts it on the day the money is really there — the countdown, the calendar and your number all move together.
Only that one payment moves. Your payday itself does not drift: the month after, it is back on its usual date.
Some banks move a slice of every paycheck out the moment it arrives — into savings, into a pot, into a joint account. Open the income and put that percentage in Percentage that leaves before you see it.
Your safe-to-spend is then worked out from what is actually left. The income list shows both figures, so the full amount is still there to see: $2,000.00 · $1,800.00 reaches your spending.
Safe to spend that day
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Add what you owe and this screen shows the date it is gone, and what changes when you pay a little more.
Debt free in
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Whatever you add here goes to the first debt in the list. When that one closes, its minimum joins the extra and moves to the next.
In payoff order
Minimums are reserved from your safe-to-spend the moment a debt exists, just like a bill. Paying the minimum does not move that number; anything extra does.
Every line above is this cycle's real figure — the same ones the number itself is made of. Tap a line to open the screen it comes from.
Things that already happened. Nothing here is a target, and nothing resets.