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Safe-to-Spend Today

Find a clear daily spending limit that helps you stay on track for the rest of the month.

The amount updates as days pass or your numbers change, helping you adjust spending before problems appear.

How It Works

Input Your Data

Enter your available balance, fixed expenses, and days left in the month.

We Calculate for You

Our formula divides remaining spendable money by the days left — instantly.

Get a Clear Daily Limit

See what’s safe to spend right now — simple, private, and stress-free.

Why Safe-to-Spend Works

No Tracking

Your data stays in your browser.

Transparent Math

You see how it’s calculated.

Instant Clarity

Know your daily limit now.

Use the Calculator

Try it free below

Safe-to-Spend Today
Enter this month’s amounts to see how much you can safely spend today.
Cash on hand now ($)
Total cash available today (accounts, wallet, etc.).
Expected income remaining ($)
NET income you still expect to receive this month (after tax & deductions).
Must-pay regular expenses & bills ($)
Rent, utilities, phone, minimum debt payments, subscriptions still due this month.
Savings / Planned transfers ($)
Money you still plan to move to savings, extra debt payments, or other accounts.
Irregular expenses ($)
Known one-off costs this month (gifts, repairs, events, etc.).
Safety buffer (%)
Optional margin for surprises. Enter a number only (e.g., 10 = 10%).
Download the Full Excel Version With Daily Log & Monthly Summary

Planning specifically to your next paycheck? Try the Bill-Gap Calculator.
Wondering how much of your income is already tied to recurring costs? See Where Is My Money Going?

FAQ

What does Safe-to-Spend mean?

It’s a daily spending limit based on what you have, what’s coming in, and what still must be paid this month.

No. Your numbers stay in your browser. We don’t store or collect your inputs.

No. It converts your month’s remaining plan into a simple daily limit you can use right now.

Re-enter your updated numbers anytime. The result updates instantly.

Yes — but if you’re planning specifically to your next paycheck, use the Bill-Gap Calculator.

See real examples

Want to see how the number changes in real situations? Visit the Safe-to-Spend Today Examples page.

Read the full FAQ

Want quick clarity on each input and how the result works? Visit the Safe-to-Spend Today FAQ page.