Irregular income
Safe to spend today
$453.00
after every bill between today and Sep 20
Low point
$1,053.00
Sep 19
Payday
Sep 20
Cushion · $600.00
Projection horizon
30 days
Daily pace
$37.75
30-day net
+$1,713.00
On hand
$2,540.00
Three steps, once
There is nothing to connect and nothing to import. The whole setup is the handful of facts you could recite from memory.
01
Your accounts, and what is in them
Each account keeps the currency it actually lives in — dollars, euros, yen — and is always shown in it, decimals and all.
02
What comes in and goes out, and when
Weekly, every two weeks, twice a month, monthly, yearly, or once. Real cadences, not a monthly average.
03
The cushion you refuse to touch
Everything above it is spendable. Everything below it is not a number you should be looking at.
The hard cases
“I never get paid the same amount twice.”
Then a monthly budget was always going to lie to you. SpotterMoney projects each payday on the date it actually lands — including the ones that drift, like every second Friday crossing the end of a month.
“My balance looks fine today.”
That is exactly the trap. Today’s balance says nothing about the 19th, which is the day that decides what you can afford now. SpotterMoney looks at every day of the horizon, not just the next one.
“What happens if I book the trip?”
Add it as a what-if and watch the curve move. Nothing is saved until you decide, so the question costs you nothing to ask.
Privacy
SpotterMoney never asks for your banking credentials, because it never needs them. You enter the figures yourself, and that is the whole design — not a limitation we plan to remove.
Your accounts and movements are yours alone: the database refuses to return another person’s rows, and no amount or account name is ever sent to our error reporting.
Works offline — and says how old the numbers are
Sign in with Google or Apple. No password to lose
English, Español, Français, Deutsch, Português
Delete your account, and the data goes with it
Free, with no paywall and no ads. If that ever changes, it will not change for the people already using it.
Coming soon to the App Store and Google Play
Irregular income
Safe to spend today
$453.00
after every bill between today and Sep 20
Low point
$1,053.00
Sep 19
Payday
Sep 20
Cushion $600.00
Daily pace
$37.75
30-day net
+$1,713.00
Three steps, once
There is nothing to connect and nothing to import. The whole setup is the handful of facts you could recite from memory.
01
Your accounts, and what is in them
Each account keeps the currency it actually lives in — dollars, euros, yen — and is always shown in it, decimals and all.
02
What comes in and goes out, and when
Weekly, every two weeks, twice a month, monthly, yearly, or once. Real cadences, not a monthly average.
03
The cushion you refuse to touch
Everything above it is spendable. Everything below it is not a number you should be looking at.
The hard cases
“I never get paid the same amount twice.”
Then a monthly budget was always going to lie to you. SpotterMoney projects each payday on the date it actually lands — including the ones that drift, like every second Friday crossing the end of a month.
“My balance looks fine today.”
That is exactly the trap. Today’s balance says nothing about the 19th, which is the day that decides what you can afford now. SpotterMoney looks at every day of the horizon, not just the next one.
“What happens if I book the trip?”
Add it as a what-if and watch the curve move. Nothing is saved until you decide, so the question costs you nothing to ask.
Privacy
SpotterMoney never asks for your banking credentials, because it never needs them. You enter the figures yourself, and that is the whole design — not a limitation we plan to remove.
Works offline — and says how old the numbers are
Sign in with Google or Apple. No password to lose
English, Español, Français, Deutsch, Português
Delete your account, and the data goes with it
Free, with no paywall and no ads.
Coming soon to the App Store and Google Play