Safe to Spend 365 · Jetzt für iOS & AndroidWissen, was Sie ausgeben können – mit voller Sicherheit.
Safe to Spend 365 macht Budgetieren zur einfachen Alltagsentscheidung – kein Verzicht, nur Klarheit. Verbinden Sie Ihre Konten sicher, und wir berechnen exakt, wie viel Sie heute ausgeben können, ohne Rechnungen, Ersparnisse oder künftige Verpflichtungen zu gefährden.
How it works
Three steps. No spreadsheets.
01
Securely connect accounts
Link checking, savings, credit, loans, and investments through Plaid. We never see or store your bank credentials.
02
We do the math
We analyze income, bills, subscriptions, debts, and savings goals to compute your real-time Safe to Spend 365.
03
Spend with confidence
Get smart alerts before bills hit and AI-powered insights that explain where your money is actually going.
Key features
Everything you need for daily financial confidence.
Safe-to-Spend-Berechnung
Eine einzige Zahl, die ausstehende Abbuchungen, anstehende Rechnungen, Sparziele und gewünschte Liquiditätspuffer berücksichtigt.
Bank- & Kartenverbindungen
Verknüpfen Sie Giro-, Spar- und Kreditkartenkonten sicher über Plaid. Kontostände werden in Echtzeit aktualisiert.
Rechnungsverfolgung & -prognose
Wiederkehrende Rechnungen werden automatisch erfasst und die nächsten 30 Tage an Verpflichtungen vorhergesagt.
Sparziele
Legen Sie Ziele für Notfallrücklagen, Urlaub oder größere Anschaffungen fest – diese werden automatisch von Ihrem Safe-to-Spend-Betrag abgezogen.
KI-gestützte Einblicke
Erhalten Sie proaktive Hinweise zu ungewöhnlichen Ausgaben, bevorstehenden Engpässen und Einsparpotenzialen.
Datenschutz & Kontrolle
Verschlüsselung auf Bankniveau. Konto und alle Daten jederzeit mit einem Tippen löschen.
See it in action
Everything you need, in one calm place.
Live captures from Safe to Spend 365 on iOS. Every number below comes from a real, Plaid-linked account — nothing simulated.
Home
Today's Safe to Spend number, payday countdown, and momentum badge.
Accounts
Live net worth, 30-day trend, and full cash position across every linked account.
Goals & Plans
The 5-level Money Journey — Start → Safe → Control → Freedom → Wealth.
Insights
Financial Health score, runway, and your Safe-to-Spend consistency streak.
Plans & pricing
Try Pro free for 14 days. No credit card required.
One number. Every dollar. Cancel anytime from the app.
Individual
For one person, one financial life.
$4.99
/ month
or $39.00 / year (Save 35% annually)
$3.25 / mo billed yearly
- Everything in Pro (see below)
- Unlimited linked accounts
- Unlimited Money Coach chats
- All 5 Money Journey levels
Family
For couples and households — up to 5 members.
$9.99
/ month
or $79.00 / year (Save 34% annually)
$6.58 / mo billed yearly
- Everything in Individual
- Up to 5 household members
- Shared goals & buffer
- Household Financial Health score
Included with Pro
Everything you get on every plan.
Safe to Spend Today
A live, single number that already respects your bills, savings, and buffer.
Ask the Money Coach
AI chat grounded in your real accounts — ask any money question, get plain answers.
5-Level Money Journey
Start → Safe → Control → Freedom → Wealth. Unlock milestones as you progress.
Safety Buffer protection
A guarded reserve so an unexpected bill never wrecks the plan.
Financial Health score
0-100 score that updates live and shows the exact next step to raise it.
Consistency streak
Track days you stayed within Safe-to-Spend — build a 30-day streak.
Cash flow forecast & runway
See what's coming, how many days you can go, and where to trim first.
Smart bill alerts
Warnings land before a bill hits so you never get caught out.
Plaid-secured accounts
Link 12,000+ US institutions read-only. Your credentials never touch our servers.
After the 14-day trial, the plan you picked auto-starts. Cancel anytime in the app — no calls, no forms.
Security
Bank-grade security at every layer.
TLS in transit, industry-standard encryption at rest, and account connections powered by Plaid. AtlasForge Financial does not store your online banking usernames or passwords.
Read our security overviewPlaid-secured connectivity
Customers connect via Plaid's trusted bank links.
Encrypted in transit & at rest
TLS encryption for all traffic; AES-256 for sensitive data.
Continuous monitoring
Automated detection for unusual access or transactions.
Least-privilege access
Strict internal controls and MFA for all employees.
Make every dollar a confident decision.
Download Safe to Spend 365 and start with bank-grade clarity today.