Will the month survive?

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?

Each forecast month leads with its verdict. A month in trouble names the money that would keep it afloat and the day that sum has to beat; a month that holds names the clearance it has at its lowest. Beneath that sits the shape the figure came from, where the month opens, where it dips and where it closes.

The floor is the overdraft you actually have, so a month borrowing inside an arranged facility is not reported as sinking.

What the month needs

Every month states the gap between its income and what it owes, bills plus whatever it is setting aside, 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.

Where a month is still short it offers a third lever, pausing something you are setting aside, always priced: a pause does not find money, it stops putting money by, so it states what it lifts now and what the month the bill falls due in then arrives short by.

Money already spoken for

A bill you pay once a year is not a surprise; it is a bill you have not been asked for yet. Name it with the day it falls due and ClearBudget holds it back a little each month, so Safe to Spend stops offering money that is already committed.

Nothing is moved anywhere and no second account is assumed. The accrual runs over the months you actually have left, not over the bill's natural period, because that is what the calendar asks for.