Safe to spend
A live spending number after bills, goals, and the buffer you choose.
Features
Your money, explained.
Every part of Pennywise works toward one question: what can I safely do with my money today?
Today
Safe to spend$184
Next bill2 days
Plan statusOn track
Core tools
The information that changes a decision.
Change detection
See which categories, merchants, or bills moved enough to matter.
Goal buckets
Save for specific things without pretending every month looks the same.
Change, with context
See the reason, not just the chart.
Pennywise compares activity with your recent patterns and surfaces the changes that affect the plan.
The daily view
The essentials, kept in view.
What remains after bills, goals, scheduled transfers, and your chosen buffer.
Upcoming recurring costs are counted before they reach the account.
Dining is above your usual range, but the monthly plan still holds.
Your travel goal remains aligned with the current plan.
How it works
A clear answer, built in three moves.
Bring the picture together.
Accounts, income, bills, goals, and expected costs sit in one working plan.
Count commitments first.
Money already spoken for is removed before the number reaches you.
Explain what changed.
The plan updates with context, so the answer stays useful as life moves.
See the plans