Free planning tool
Safe-to-spend calculator
Make a quick estimate from the balance you enter, money you expect in, bills you know are coming, and a buffer you want to keep. No bank connection or account needed.
Choose your period and amounts
Include only income and bills you expect during the next 1–365 days. Results update as you type.
Count forward from today. For example, enter 30 for the next 30 days.
Enter your own current balance; this tool cannot read a bank account.
Choose a buffer you do not want to spend.
Your amounts stay in this browser page. They are not saved or included in analytics.
Your period estimate
Illustrative example — edit any amount to explore your own scenario.
For the next 30 days
Potentially available after your buffer
€1,100.00
This is an estimate from the amounts you entered, not a guarantee that this amount is safe to spend.
How this was calculated
Available balance + upcoming income − upcoming bills − chosen minimum balance
€1,200.00 + €800.00 − €650.00 − €250.00 = €1,100.00
This quick estimate assumes the amounts you entered apply during the selected period. It does not account for unknown transactions, the timing of deposits and bills, overdraft rules, or account fees. Check your actual account and due dates before spending.
Want a fuller plan?
Explore budget forecasting and recurring payments. You can enter your amounts in Spendly Budget separately.
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