01 · Before payday
See what leaves before the next paycheck.
Confirmed bills use a filled mark. An estimate is dashed, and it says so. Payday is a diamond, not another bill.
Private personal finance
Cyber Spend
Finally, money that makes sense.
See what is safe to spend before payday. Your finances stay on your iPhone.
Not on the App Store yet.
- Known
- Projected
- Payday
Lowest projected point $1,647 on Nov 5.
Safe to spend · estimate
Example. Safe to spend $1,768.52.
until payday on Fri, Oct 23about $197 a day
Every bill before payday is covered, and November’s rent is already set aside.
Example. Fictional preview, not your accounts.
- Due before payday
- $1,090.48
- Held for next cycle
- $483.17
- Your reserve
- $500.00
- Safe to spend
- $1,768.52
How it adds up
- Cash on hand$3,842.17
- Due before payday−$1,090.48
- Held for next cycle−$483.17
- Your reserve−$500.00
- Safe to spend$1,768.52
A forecast, not a promise. This preview uses confirmed payments, one estimate, one payment you planned, and a usual pace of $72 a day. Lowest projected point: $1,647 on Nov 5.
02 · Spending
A pace you can check against last month.
Everyday spending through today, set next to the same point last month. The change carries an arrow.
03 · Documents
Bring a statement. Leave the bank login behind.
A PDF, CSV, or photo is read on the iPhone. You review every line before it is kept. Nothing is uploaded.
04 · On this iPhone
Your money. Your iPhone. No one else.
No account. No bank connection. Export or erase whenever you want.
- On this iPhone
- No account
- Nothing sold
Example · cash flow
A month, still in motion.
Sage is money in. Clay is money out. October’s unfinished part is hatched, because it has not happened yet.
- In
- Out
- Expected
iPhone and iPad
Request a place in the first build.
Cyber Spend is being finished for iPhone and iPad. It is not on the App Store yet.