Do I need to connect my bank?

No. You can start manually and use import where your bank or files are supported.

Is safe-to-spend the same as my balance?

No. It reflects budgets, bills, and other commitments you track — not raw cash in an account.

Stop managing your money in spreadsheets

Spreadsheets are manual, easy to break, and hungry for maintenance. Spendium keeps one living ledger — with bill timing, forecasts, and a clear read on what you can spend.

Try Spendium

Where spreadsheets hurt

You rebuild or copy formulas whenever life changes.
Missed rows mean false confidence — or panic at month-end.
No live link between “what I owe soon” and “what I can spend today.”
Forecasting across bills and variable spending is fragile in a grid.
Two people editing the same sheet is a recipe for silent errors.

Spreadsheet vs Spendium

Topic	Spendium	Spreadsheet
Ledger maintenance	Designed for money: accounts, categories, imports where supported.	You are the database and the QA team.
Bill timing	Bills live beside spending so forecasts see them.	Usually a separate tab — or memory.
Safe-to-spend style clarity	Built into spending health when your setup is ready.	Only if you design and maintain the math.
Time to update	Minutes as you log or import.	Often high — every formula and row is on you.
Error risk	Still requires honest logging — fewer formula footguns.	Common: broken references, wrong ranges, version chaos.

Ledger maintenance

Spendium

Designed for money: accounts, categories, imports where supported.

Spreadsheet

You are the database and the QA team.

Bill timing

Spendium

Bills live beside spending so forecasts see them.

Spreadsheet

Usually a separate tab — or memory.

Safe-to-spend style clarity

Spendium

Built into spending health when your setup is ready.

Spreadsheet

Only if you design and maintain the math.

Time to update

Spendium

Minutes as you log or import.

Spreadsheet

Often high — every formula and row is on you.

Error risk

Spendium

Still requires honest logging — fewer formula footguns.

Spreadsheet

Common: broken references, wrong ranges, version chaos.

Before

You open the same workbook nightly, nudge cells, and hope the totals still tie out.

What you get instead

AI assistant
Plain-language questions and faster capture when your plan allows — always review suggestions.
Predictive cash view
Runway-style timing from your recorded income, bills, and spending — not from a static grid.
Automation where it matters
Categorization help, structured accounts, and imports where supported — less manual sheet surgery.

Stop worrying about whether the math is right

Know what you can spend day to day — from data you maintain once, in one place.

FAQ

Spendium supports export paths where your plan allows. Many people keep Spendium as the source of truth and export only when they need to share or analyze elsewhere.

Stop managing your money in spreadsheets

Where spreadsheets hurt

Spreadsheet vs Spendium

What you get instead

Stop worrying about whether the math is right

FAQ

Can I export if I still want a spreadsheet?

Do I need to connect my bank?

Is safe-to-spend the same as my balance?

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