Know what you can
spend.

Zero-based budgeting means every dollar of income gets a job until Left to Budget is zero. Zero means planned, not empty.

You enter your income, assign money to categories until nothing is left unplanned, then track spending against that plan. Spendset also shows Available to Spend, Safe Today, and Until Payday so you know what fits today.

No. Spendset is manual-entry, so your bank login stays out of it. Adding a purchase takes a few seconds.

Yes. Bank sync is not required. You enter income, transactions, and account balances yourself.

It rolls over into next month, so sinking funds like car repairs can build until you need them.

A sinking fund is a category you fill a little each month for a future expense, like insurance, holidays, or car repairs, so the bill is covered when it arrives.

Available to Spend is the flexible money left in your plan after bills and assigned categories. Safe Today and Until Payday help you pace that money through the month.

SpendCheck lets you check a purchase against your budget before you buy, so you can see the impact on your plan first.

Yes. Install it to your home screen and it opens like an app, with a tab bar and a quick-add button.

Your data is scoped to your account. You can change your email, password, or delete your account from Settings at any time. Optional authenticator MFA is available if you want an extra sign-in step.