Forecast
Safe to spend
Safe to spend answers one question: how much money is truly free after bills, goals, and targets.
The simple rule
Safe to spend is calculated from the same target math you see in Auto-assign.
Flexible pool - Obligation gap - Goal gap (optional) - Buffer
What each number means
- Flexible pool: available money in Flexible categories.
- Obligation gap: missing amount for Refill up to targets.
- Goal gap: missing amount for Set aside targets (only if Goals included is on).
- Behind schedule: how far behind you are today based on target due dates.
- Safe per day: Safe to spend divided by days left in the month.
What counts as Flexible
Until you change a purpose manually, categories follow their target type.
- No target: Flexible.
- Refill up to target: Obligation.
- Set aside target: Goal.
Step-by-step
- Add targets to categories you want Safe to spend to respect.
- Pick target types (Refill up to or Set aside).
- Toggle Goals included if you want goals to reduce Safe to spend.
- Use Auto-assign to quickly fill gaps.
Use cases
- Monthly planning: confirm how much you can spend after bills.
- Goal funding: include goals to see a more conservative number.
- Shared budgets: align household spending expectations.
Troubleshooting
- Safe to spend is zero: flexible pool is zero or gaps cancel it out.
- Goals not reducing the number: enable Goals included.
- Number changed after activity: activity updates available and gaps.