Start your 7-day free Pro trial · Cancel anytime in the app or store settings
Safe to Spend 365 · Live on iOS & AndroidKnow what you can spend — with confidence.
Safe to Spend 365 transforms budgeting from a restrictive exercise into a simple daily decision. Securely connect your accounts and we'll calculate exactly how much you can spend today without jeopardizing bills, savings, or future obligations.
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
See a single number that accounts for pending charges, upcoming bills, savings goals, and cash-buffer preferences.
Bank & card connections
Securely link checking, savings, and credit-card accounts via Plaid. Balances refresh in real time.
Bill tracking & forecasting
Ingest recurring bills automatically and forecast the next 30 days of obligations.
Savings goals
Set targets for emergencies, vacations, or big purchases — we'll reserve them from your Safe-to-Spend total.
AI-powered insights
Get proactive nudges about unusual spending, upcoming crunches, and opportunities to save.
Privacy & controls
Bank-grade encryption. Delete your account and all data at any time in one tap.
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
Start free. Try Pro free for 7 days.
One number. Every dollar. Cancel anytime in the app or in your App Store / Google Play subscription settings.
We'll remind you before your 7-day trial ends, so there are no surprise charges.
Free
Get your Safe-to-Spend number, free forever.
$0
/ month
Free forever — no card needed
- First Safe-to-Spend calculation, then 1 every 14 days
- Live "left today" amount that drops with every purchase
- 1 connected bank, or cash on hand entered by hand
- Manual expense tracking
- Up to 3 bills and 1 savings goal
- Basic insights, 8 languages, any currency
Pro
For one person, one financial life.
$4.99
/ month
or $39.00 / year (Save 35% annually)
$3.25 / mo billed yearly
- Everything in Free, plus:
- Safe-to-Spend updates automatically + Autopilot
- Unlimited banks, bills, goals and debts
- Cash flow forecast and Savings Protected
- AI Money Coach and receipt scanning
- Advanced insights and snapshot PDF / email
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 Pro
- Up to 5 household members
- Shared goals & buffer
- Household Financial Health score
Compare plans
Free, Pro or Family, side by side.
| Feature | Free | Pro | Family |
|---|---|---|---|
| Monthly price | $0 | $4.99 | $9.99 |
| Yearly price | Free forever | $39.00 | $79.00 |
| People covered | 1 | 1 | Up to 5 |
| Safe-to-Spend calculation | First free, then every 14 days | Updates automatically | Updates automatically |
| Live "left today" amount | |||
| Connected banks | 1 | Unlimited | Unlimited |
| Manual expense tracking | |||
| Bills | Up to 3* | Unlimited + reminders & import | Unlimited + reminders & import |
| Savings goals | 1 | Unlimited + Savings Protected | Unlimited + Savings Protected |
| Debt tracking | |||
| Cash flow forecast | |||
| AI Money Coach | |||
| Receipt scanning | |||
| Autopilot daily updates | |||
| Spending insights & financial health | Basic | Advanced + personalized | Advanced + personalized |
| Financial snapshot PDF / email | |||
| Shared goals & buffer | |||
| 8 languages, any currency, light/dark mode | |||
| 7-day free trial |
* Bills detected from your bank don't count toward the Free limit.
Included with Pro
Everything you get on Pro and Family.
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.
You'll get a reminder before your 7-day trial ends. After that, the plan you picked auto-starts. Cancel anytime in the app or in your App Store / Google Play subscription settings — 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.