Overview and Safe to spend

The screen you start the day with. What Safe to spend means, how it's counted, and what Needs attention asks of you.

The Overview always shows the current month. It answers one question first: how much can I spend without getting into trouble later this month?

Safe to spend

The big number at the top is what you can spend from your own money. It’s counted like this:


The money on your budget accounts (cards, cash; not credit)	€2,775.52
minus bills still to pay this month	− €239.48
minus taxes to pay this month	− €388.00
minus what you’re putting into funds this month	− €1,282.00
minus your safety buffer	− €150.00
Safe to spend	€716.04

Below it, an amount per day for the days left in the month:

usually Safe to spend divided by the days left (“≈ €34.10 a day · 21 days left”);
when a credit card statement is due this month and paying it leaves you less, it’s worked out from After credit cards (below) instead, and says so: “≈ €12.98 a day after cards · 21 days left”.

Tap How it’s counted to see each line with your own numbers.

After credit cards

If you owe something on a credit card or credit line that’s on budget, a second, smaller figure appears under the first:


Safe to spend	€716.04
minus owed on credit cards	− €443.39
After credit cards	€272.65

If a card or credit line has an interest rate set, the interest the bank will charge before the month ends comes off this second figure too: Interest expected ≈ €X in How it’s counted, and “≈ €X interest on Oct 25” under the figure. It’s an estimate, and the first figure doesn’t change.

Under it you see what’s owed and the next minimum (“€443.39 owed on Credit card · minimum €25.00 by Oct 8”). The first figure tells you what you can spend today; the second, what’s really left once the cards are paid. Without credit on budget, there’s only the first. More in Accounts and credit cards.

A few things that are good to know:

Only budget accounts count. A savings account can stay off budget: it’s listed, but its money isn’t counted as spendable. You choose this per account in Settings → Accounts.
An overdraft counts as it is: below zero is below zero, never extra money.
Bills are taken out before they’re paid, so a rent payment next week already lowers today’s number.
The safety buffer is set in Settings → Budget defaults. If Safe to spend drops below it, Needs attention tells you.

Under the number

Accounts: the balance of each one. A credit card shows what you owe (with a Credit badge by the amount), what’s available of the limit and a bar, and what to pay by when. You pay a card in Bills; the Overview has no Pay buttons. An account in another currency shows its own amount and the converted one. The list ends with On budget accounts and Owed on cards.
Quick buttons: Expense, Income, Transfer, Plan a bill.

Needs attention

What wants a tap from you, with the action right there:

a bill that’s due soon, or that isn’t paid yet → Mark paid;
a category that’s over its plan → Adjust;
a credit card payment coming up, with its minimum (“The Visa minimum is due tomorrow”), or overdue (“interest likely”) → Open in Bills, where you pay it;
an account below zero without an overdraft, or past its overdraft;
transactions from an import waiting for a category → Review;
“Time to import a statement” when an account on budget has had nothing new for a week.

On a phone the list opens as a sheet.

Further down

Plan vs actual: each category’s bar against its plan; anything over is highlighted.
Upcoming bills with Mark paid.
Balance forecast: where your budget accounts are heading by the end of the month.
Funds: what you’re putting aside this month.
Needs review: transactions without a category. Pick one right in the card.

Your balance doesn’t match the bank?

Use Reconcile with your bank. Type the balance your bank shows, then either set it as the new balance or record the difference as a “Balance adjustment” transaction. The dialog explains which transactions of that day are already inside the bank’s figure.