Sign In
Create Account
or
Just exploring? Continue as guest →
$0.00
⚗ Safe to Spend
Safe to spend
Includes $0.00 safety buffer
Safe
Estimates only · Not financial advice
Current Balance
$0.00
Current bank balance available to the engine.
Pending
$0.00
Charges visible from your bank but not fully posted.
Ghost Reserve
$0.00
Pending charges that vanished — held 3 business days.
Upcoming Bills
$0.00
Bills inside the current forecast window.
Next Paycheck
No paycheck scheduled
Nearest expected income event.
Projected Low Point
$0.00
Lowest forecasted balance in the next 14 days.
Estimates only · Not financial advice
◈ Can I Afford This?
✦ 30-Day Balance Timeline
Hover to scrub
Projected End Balance
$0.00
Next Risk Event
No risk event in forecast
Estimates only · Not financial advice · Verify balances with your financial institution
📜 Recent Transactions
⚗ No transactions yet.
Add your first entry below.
🎯 Savings Goals
📅 Bill Calendar
+ Add Transaction
⚖ Forecast Inputs
Accounts
Keep current balances here so safe-to-spend uses real account data.
Bills
Add upcoming bills so the forecast stops relying on future-dated legacy transactions.
Income Entries
Add expected paychecks or deposits that should lift the forecast.
Safety Buffer
Amount always held back from safe-to-spend — your personal "don't touch" cushion.
$ saved automatically
Common buffers: $50 (tight), $150 (moderate), $500 (comfortable), $1,000+ (conservative)
Income Mode
Switch to Variable mode if your income is irregular — the forecast will use your rolling average instead of scheduled paychecks.