Safe to Spend 365 · iOS & Android で利用可能使えるお金を、自信を持って把握する。
Safe to Spend 365 は、家計管理を窮屈なルールではなく、シンプルな毎日の判断に変えます。口座を安全に連携するだけで、請求・貯蓄・将来の支出を損なわずに今日使える金額を正確に算出します。
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 calculation
保留中の請求、近日の支払い、貯蓄目標、現金バッファーの設定をすべて考慮した、ひとつの数字をお知らせします。
銀行・カードの連携
Plaid 経由で普通預金、貯蓄、クレジットカードを安全に連携。残高はリアルタイムで更新されます。
請求の追跡と予測
定期的な請求を自動で取り込み、今後30日間の支払い予定を予測します。
貯蓄目標
緊急費用、旅行、大きな買い物など、目標金額を設定すると Safe-to-Spend の合計から自動的に確保されます。
AI によるインサイト
通常と異なる支出、近日の資金不足、節約の機会などをプロアクティブに通知します。
プライバシーと管理
銀行レベルの暗号化を採用。アカウントとすべてのデータはいつでもワンタップで削除できます。
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.