Personal cash-flow, decoded

Will I have enough money when my bills hit?

Not a budgeting app. Not a savings app. Just the truth about your money. See what's actually safe to spend after the bills that hit before your next paycheck.

Spendable = Assets Bills before payday

Your money, at a glance

Every tab reads from one forecast. No spreadsheets, no guesswork.

Dashboard
Dashboard: spendable this cycle
Budget
Budget: bills & discovery
Accounts
Accounts: synced from your bank

Built to answer one question

Everything else is in service of knowing what's safe to spend.

🏦

Bank-connected

Link checking, savings, and credit cards via Teller. Real balances, synced automatically on every visit.

🔎

Bill discovery

Scan your transaction history for recurring charges and turn them into tracked bills with one tap.

📅

Pay-period cycles

Money is planned in semi-monthly cycles, so you always see spendable up to your next paycheck.

📈

Spending insights

Spent-so-far vs. last cycle, side by side. Know instantly if you're running hot.

🔁

Auto-reconcile

Bank charges match against expected bills automatically. Less tapping, fewer surprises.

🎨

Themes & your data

A dozen racing-inspired themes, and a one-click full JSON export. Your data is yours.


Be first in line

Spendable is in invite-only beta. Drop your email and we'll send you an invite as soon as a spot opens up.