Safe to Spend Today

One number: the most you could spend today without knocking over any month ahead. It says how far that promise reaches and names the day that limits it.

A month that is short whatever you do gets its own line, in red, rather than silencing the figure.

Beneath it, a short schedule shows what you could spend from each later day money lands. The buffer it keeps in hand and how many months it must protect are yours to set.

Forward solvency

Projects the next two months and answers the only operational question that matters: will the balance hold?

What the month needs

Every month states the gap between its bills and its income, so a month in trouble comes with a size rather than just a warning.

A month can close in credit while quietly running at a loss. This is the figure that shows it.

If the months ahead are like this one

Months you have not typed in yet look poorer than they really are. The Safe to Spend page assumes this month's income arrives again wherever a later month lacks it, states that assumption in plain words and names exactly what has to arrive and when.

Then it walks the next two months again on that assumption. So when the bank page shows a month going overdrawn, this page answers the question you actually have: does the money you expect rescue it?

Mid-month overdraft alerts

Catches the dip when bills cluster before payday, even when the month still ends positive; it also names the first month you would go overdrawn.

What would fix it

A Recommendations view proposes measured changes for a difficult budget: retime what can move, then find the income no timing can replace, month by month, each ask assuming the earlier ones arrived. Every figure is a re-run of the same day-by-day projection, so nothing is suggested without its measured effect.

Tick any suggestion to try it on: a panel shows what that change does beside the others you have ticked, with nothing applied anywhere. An optional emergency buffer raises the target above bare survival; a headroom section offers the few best retimings solvency does not strictly need.

Credit card pressure

Per-card utilisation, interest and a six-month balance projection, colour-coded by available headroom. Credit-limit changes can be scheduled ahead so every projection honours them.

Bill and income timing

Per-month skips, amount and due-day overrides, paid and received flags and one-off entries.

Something that stops is ended, never erased: bills and income carry a final month, so the months they really ran in keep them. A rent increase changes a bill's amount from one month onward without rewriting what earlier months cost.

A red tick marks a payment or arrival day fixed in the real world; Recommendations never proposes moving one.

Self-maintaining balance

Set your bank balance once. Dated bills and income are applied to it at midnight on their day and ticked off automatically; delete an applied item and the amount is handed back.

A Graph view

The month as a picture, on a page of its own: the bank balance day by day or every card on one chart, drawn as bars or a line.

Each day's bar is judged against the overdraft you actually have: calm at or above zero, amber inside your facility, red only where a payment would bounce.

Shareable reports

Export the month as one self-contained web page; export a whole range of months as a folder, an index whose table adds up and every row opening that month's own day-by-day page.

Nothing is fetched from anywhere, so a report can be emailed or opened offline from a stick.

Several budgets, one sign-in

Keep more than one budget under one account: a household beside a business, this year beside a plan for next.

Each budget is its own separate database. Switching changes nothing in either one and the budget you already had keeps the file it always used.

Back up everything at once

Every account and every budget in a single zip, restorable in full onto a rebuilt machine.

A restore is checked in a staging area first, so a file that is not a genuine backup changes nothing. The zip is not encrypted; the app says so before writing one.

Private by design

Per-user isolated databases behind a bcrypt sign-in. No cloud, no account servers; the only network request the app ever makes is a daily check of the project's GitHub releases for a newer version, carrying nothing about you.

Remember me keeps your credentials in the operating system's own credential store, never in a plain file. One click saves the whole budget to a file you choose; the app remembers where, separately for every account.

Light and dark

One button switches the whole application, sign-in screen included. The choice is remembered and the graphs follow, with a palette chosen to stay readable on each background.

Usable without a mouse

An explicit keyboard path through every screen and dialog: Tab and the arrows step the same ring, the view buttons are walked one at a time, long pages scroll from the keyboard and what has focus is always ringed.

25 currencies

Choose your currency once and every figure follows it. Defaults to GBP.

Installs without touching your data

A native package per platform: a per-user Windows setup needing no administrator rights, a macOS disk image and a Linux Flatpak.

Install, upgrade, repair and uninstall deal in program files only, so your budgets, accounts and saved theme survive all of them.

Monthly Budget

Bills and income for the month, with a balance that keeps itself up to date as dated items fall due, the projected month-end figure for future months and a mid-month overdraft warning.

Solvency

Two pages, each a whole answer rather than half of one long scroll. The bank page is built only from money you have entered: your account position, then the next two months walked day by day. The Safe to Spend page adds the one assumption worth making, that the months ahead resemble this one, states it in words and shows what follows from it.

Credit Cards

One panel per card with live pro-rated balances and a six-month projection strip across every card.

Graph

The viewed month as a chart: the bank balance day by day or every card on one line chart, switched on the page itself, with the HTML exports beside it.

Recommendations

What would make the months ahead survivable: measured retimings, the extra income each month still needs and a try-it-on preview of any change before you make it anywhere real.

Archive

Completed months summarised by year, with drill-down into any individual month.