How the number is calculated
Safe-to-Spend™ is four lines of arithmetic. On Today the receipt sits right under the number, so you never have to take it on faith.
| Line | What it is |
|---|---|
| Cash in your accounts today (tap it to update every balance on one screen) | The balances of every account that counts toward the number: checking and cash, unless you switch one off |
| − Bills before payday | Only the bills due before your next paycheck; later bills do not count yet |
| − Planned savings | The monthly amount each active goal sets aside first |
| − Set aside for big bills | Only when a yearly bill (or a one-time bill months away) is marked Set aside monthly: the share reserved so far, so the bill lands covered instead of swinging the number in one payday window |
| − Safety cushion | Money the number never touches, so a surprise stays ordinary |
| = Safe to spend | What is genuinely spendable between now and payday |
The line under the number
Section titled “The line under the number”Under the number, one line puts it in time: until Wed, Oct 21 · 10 days · about $127 a day. The per-day figure is the number divided by the days to payday, rounded to the dollar. It is a pace, not an allowance: the number itself is what is safe. When payday is today the line says so, and when nothing is safe to spend the per-day figure stays off the screen.
Under that line, the status scale says in one word where this payday period sits: comfortable, tight, or dips into cushion.
Why only bills before payday?
Section titled “Why only bills before payday?”Rent due on the 1st should not scare you on the 13th. Amppfy separates what is due before your next paycheck from what comes after, so the number reflects the week you are in. When payday passes, the next set of bills rolls into the calculation on its own. The payday the number counts to is the next one you entered on Income (or, once that date passes, the next one after it on your schedule); Amppfy never guesses an earlier paycheck from your pay pattern. See Bills roll forward on their own.
A bill you have marked Already paid or Not due this time for this occurrence is left out of the line. See Change a bill this time.
The lowest point on the road
Section titled “The lowest point on the road”Lower on Today, Now to payday lines up every bill between now and payday as rows, starting from your cash today. Each row shows the bill, in 2 days · Fri, Oct 9, 2026, the amount, and your balance after it lands. The lowest your cash touches carries an amber lowest point chip, and payday arrives in teal with a plus. If that low point dips under your cushion, you see it days ahead, with time to move a due date or pause a goal.
The same running balance appears on the calendar under the month grid.
When it updates
Section titled “When it updates”The number is recalculated everywhere the moment you change something: add a bill, update a balance, pause a goal, confirm a different amount at the check-in. The widget on your iPhone keeps the latest number and counts the days down on its own.