Spendable: Safe to Spend
What you can spend today
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Now with free reminders: an evening nudge to log, and a payday heads-up. Still one honest number each morning. No bank login, and nothing ever leaves your phone.
What can I spend today without going broke before payday?
Spendable answers that with one number, recalculated every morning from your real balance. No bank login. No account. No server. Everything stays on your phone.
HOW IT WORKS
Tell it three things: your balance, your payday, and any bills due before then. Spendable holds back the bills and your buffer, divides what's left by the days remaining, and shows you today's figure.
Spend less today and tomorrow's number rises by itself. Spend more and it drops. There is no envelope system, no categories to maintain, and nothing to reconcile.
CAN I AFFORD THIS?
Type an amount and get an answer with the consequence attached: "Yes, but every remaining day drops to $97.77, down from $111.11." A flat "no" is reserved for a purchase that would break your bills.
HONEST BY DESIGN
Figures always round down. The promise is "you can spend this and still be fine", and a number that rounds up is a lie by a cent.
Logging a spend never moves today's target. It only uses it up. Paying a bill never changes your spendable figure, because that money was never yours to spend.
FREE FOREVER
• Your safe-to-spend number
• Three-second spend logging
• "Can I afford this?"
• Shortfall warnings
• Up to three bills
• Reminders: an evening nudge and a payday reset
SPENDABLE PLUS: $0.99/MONTH
• Home Screen and Lock Screen widgets
• Zero Day forecast: the date you run out at your current pace
• Morning check-in: wake up to today's number
• Unlimited bills
PRIVACY
No account. No analytics. No ads. No tracking. Spendable never connects to your bank and has no server of its own. Your balance, bills and history live in a database on your device. Erase all data in Settings and it is gone, immediately and permanently.
Spendable is an arithmetic tool, not financial advice. Its figures are only as accurate as the numbers you enter.
Spendable Plus is an auto-renewing monthly subscription. Payment is charged to your Apple Account at confirmation of purchase and renews unless cancelled at least 24 hours before the end of the period. Manage or cancel in Settings → your name → Subscriptions.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://ephopho.github.io/spendable-legal/privacy/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
What's new in 1.1.0
• Reminders are now free. Get an evening nudge to log your spending and a heads-up on payday to start your next cycle. The number only works when today is logged.
• Spendable Plus now adds a morning check-in: wake up to today's number before you've spent a thing.
• Rebuilt on the latest framework for smoother, lighter performance.
Still no bank login, no account, and nothing ever leaves your phone.
The developer, Joseph Emmanuel Deladem Kudjordji, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Joseph Emmanuel Deladem Kudjordji
- Size
- 54.3 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Spendable Plus $0.99
- Copyright
- © 2026 Joseph Emmanuel Deladem Kudjordji