Press & Media
The AtlasForge Financial press kit.
Everything media, creators, and partners need to write about Safe to Spend and the AtlasForge platform — assets, story, screenshots, and interview-ready facts.
About Safe to Spend
One number. Every day. Zero guesswork.
Safe to Spend is a personal finance app that shows the money you can actually spend today after bills, savings, and goals — without categories, guilt, or manual tracking.
Why we built it. Traditional budgeting apps ask users to categorize dozens of transactions per week. 68% of users abandon them within 90 days. Safe to Spend replaces the ritual with a single answer: "how much can I spend today without breaking anything?"
The problem it solves. 63% of Americans live paycheck to paycheck — including 48% of six-figure earners. The root cause isn't income; it's the invisible timing gap between account balance and upcoming commitments. Safe to Spend closes that gap in real time.
Who it's for. Anyone who has tried three budgeting apps and abandoned all of them. Anyone who's ever overdrafted because "the number looked fine." Anyone who wants financial confidence without the mental overhead of a spreadsheet.
What makes it different. One number, not thirty categories. Real-time updates, not weekly reconciliation. An AI Coach (Autopilot, powered by Claude Sonnet 4.5) that answers plain-English questions about your money — without ever touching it.
Fast facts
- Product
- Safe to Spend
- Category
- Personal Finance / Consumer Fintech
- Pricing
- Free to download · Premium from $4.99/month
- Platforms
- iOS (App Store) · Android (Google Play)
- Bank connections
- Plaid — 12,000+ US institutions
- AI provider
- Anthropic Claude Sonnet 4.5
- Encryption
- TLS 1.3 in transit · AES-256 at rest
Founder story
The frustration that started AtlasForge.
I've spent my career as a budget analyst — the person institutions call when the numbers don't add up. I built spreadsheets, ran cash-flow models, and forecast payroll for organizations moving millions of dollars a month. Then I'd come home and watch the people closest to me — friends, family, my own extended circle — have no idea where their money was going, and overdraft their accounts three days before payday.
That contrast wore me down. If the same math I ran professionally for a large budget could keep an organization solvent, why couldn't we give ordinary households one honest number that told them what they could actually afford this week?
The frustration was clarifying: every American bank in 2026 shows an "available balance" that ignores the rent due Friday, the auto-pay hitting Monday, and the annual insurance premium landing next week. People weren't overspending — they were spending against a number that lied to them. That's not a discipline problem. It's a design problem.
Safe to Spend was born the night I sat down with a close family member to reverse-engineer a stack of overdraft fees she couldn't afford. Charge by charge, we found forgotten subscriptions, mistimed autopays, and a "balance" that had been misleading her for months. I opened my laptop and thought: "There is a single number that would have prevented every one of these. Why doesn't her bank just show it?" A weekend later, the first prototype ran on my phone.
Our mission is simple: give every household in America a single, honest number they can trust every day. No categories, no guilt, no gamification tricks. Just the math a budget analyst would run, done correctly, updated in real time. If we do our job right, financial confidence stops being a privilege of people who love spreadsheets — and becomes the default for everyone else.
— Dr. David Homer, Founder · AtlasForge Financial
App screenshots
Press-quality product imagery.
Right-click → Save As, or click any screenshot to open the full-resolution PNG.
Key features
What makes Safe to Spend different.
Safe to Spend Today™
One number that tells you exactly how much you can spend today after bills, savings, and goals.
Bank Connection
Securely link every checking, savings, and credit card via Plaid — updated in real time.
AI Financial Coach (Autopilot)
Powered by Claude Sonnet 4.5 — ask any question about your money and get context-aware answers.
Can I Afford It?
Instant yes/no decision-support for one-off purchases, factoring in upcoming commitments.
Spending Insights
Automatic subscription detection, category trends, and financial health scoring.
Daily Spending Guidance
Every morning, Today's Coach highlights the single most important money action for the day.
Savings Goals
Set targets, watch progress, and automatically protect committed dollars from casual spending.
Protected Buffer
A fixed cushion — automatically subtracted from your Safe to Spend number, keeping you out of overdraft.
Company facts
Everything a journalist might ask.
The company
- Company
- AtlasForge Financial
- Founded
- 2024
- Headquarters
- South Carolina, United States
- Founder
- Dr. David Homer
- Industry
- Consumer FinTech · Personal Finance Infrastructure
- Employees
- 1–10
- Website
- atlasforgefinancial.com
Social
Brand system
Colors, fonts, and safe-use rules.
Type system: Display · Cabinet Grotesk (fallback Manrope, system-ui). Body · Inter / system-ui. Monospace · JetBrains Mono.
Do: Use logos on white, Cloud White, or the Deep Navy background only. Preserve at least 20px of clear space around every logo. Match Emerald Signal (#00C48C) with the Safe to Spend product only.
Don't: Stretch, recolor, or add drop shadows to the logo. Never overlay text on the logomark. Never use the Ember Coral accent alongside the Safe to Spend palette in the same layout.
Downloadable assets
One-click downloads.
AtlasForge — Safe to Spend Logo (PNG)
Color, transparent background
Safe to Spend Banking (Marketing Logo)
Extended horizontal lockup
Ember360 — Product Logo (PNG)
Ember360 product mark
Featured Hero Graphic (WebP)
Full-bleed marketing hero, 1920×1080
Founder Headshot
High-resolution PNG
App Screenshots — index
Right-click each screenshot above to save
Individual assets — right-click → Save As. For a full zip, email customersupport@atlasforgefinancial.com.
Press release
AtlasForge Financial Launches Safe to Spend — the Personal Finance App That Tells You Exactly What You Can Spend Today
User reviews
What early users are saying.
"Finally a budgeting app that actually tells me what I can safely spend."
"I tried YNAB, Mint, and Copilot before this. Safe to Spend is the only one I still open every day."
"The AI Coach caught two subscriptions I forgot about and told me exactly which credit card to pay down first."
For journalists & creators
Frequently asked questions.
Is Safe to Spend free?
Safe to Spend is free to download and free to use for its core Safe-to-Spend Today calculation, bank connection, and daily coaching. Premium features — including the full AI Autopilot chat experience, advanced cash-flow forecasting, and unlimited savings goals — are available for $4.99 per month.
Which banks work with Safe to Spend?
Any US bank supported by Plaid — over 12,000 institutions including all major national banks, credit unions, and neobanks.
Is Plaid secure?
Yes. Plaid uses bank-grade encryption, never stores your credentials, and is used by companies like Venmo, Robinhood, and SoFi. We access only read-only transaction data — we cannot move or withdraw funds.
Does the AI Coach access my money?
No. The AI Coach has read-only access to your transaction data via Plaid. It cannot transfer, move, or spend a single dollar. It's an assistant, not an account holder.
Does Safe to Spend move my money?
No. Safe to Spend is a read-only insights layer. Actual transfers, payments, and card activity happen inside your bank's own app or website.
Is my data encrypted?
Yes. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). We are SOC 2 aligned and GDPR compliant.
How does the Safe to Spend calculation work?
Available balance minus (bills due before next paycheck) minus (committed savings + goal transfers) minus (protected buffer). The number updates in real time as your accounts move.
Where is AtlasForge Financial based?
AtlasForge Financial is headquartered in South Carolina, United States.