Know exactly how much you can safely spend

A high balance feels safe until rent, subscriptions, and loan payments hit in the same week. People overspend in the easy days, then scramble when fixed costs arrive.

Mental math breaks under real life: irregular income, split accounts, and small daily purchases that add up quietly.

Spendium combines what you have now with what you have told it about upcoming bills, savings targets, and spending patterns.

The result is a conservative, explainable number: what you can spend today without risking a surprise shortfall.

Start from available cash you track in Spendium, subtract committed outflows you expect soon, and respect savings you said you want to keep.

As you log spending or connect activity, the number moves with you — so “can I buy this?” has a single place to look.