Safe to Spend Today — free calculator

Tool 01 · Daily spending

Nothing on the books. Add event puts the first line in — your balance today, then everything you already know is coming.

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What it costs

Nothing. No account, no sign-in, no paid tier waiting behind this one.

Where your numbers go

Nowhere. The list is kept in this browser and the arithmetic happens here too, so there is nothing on a server to lose. Clear everything empties it for good.

How it works

Every event is added up in date order. The safe number is the lowest that running balance ever gets — spend more than that and something further down the list bounces.

This tool does arithmetic, not advice. It cannot see your bank account, it never asks for one, and the number it gives back is only as good as what you put in. Nothing here is financial advice — see the full disclaimer.

Add event

Running balance at this point in time

Date Description

Amount

Money in is positive, money out is negative