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Safe-to-spend calculator

A simple snapshot before you open your wallet.

Enter round numbers you trust. This model adds upcoming income, subtracts planned bills and savings, and shows a conservative lump estimate — not a daily drip model.

Estimated headroom

৳0

Headroom = balance + income − bills − savings. If negative, you are already short on paper — reduce discretionary spend until cash aligns.

Educational only. Rounding, forgotten bills, or irregular income can change reality. Spendium updates as you log real data.

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