Free Safe to Spend calculator

What is actually yours until payday?

Start with the money available now. Protect the bills, everyday needs, and goals that come first. Ground will show what remains and a practical daily number.

Use your numbers

Estimates are fine. You can update any number when your plans change.

Use the balance you can actually spend from, including cash if it belongs in this plan.
For example: groceries, gas, transit, medicine, and other essentials.
Your estimate

Safe to Spend result

Actually Yours $259.00
Safe to Spend today $37.00

You can use this daily amount and still have the bills, everyday needs, and goals you entered covered until payday.

How Ground got there $1,620 available - $1,260 bills - $101 everyday needs - $0 goals
This calculation stays in your browser. Ground does not save or receive these numbers.

Want this number to update with real life?

Ground keeps bills, goals, expenses, and payday timing together so you do not have to repeat the calculation every time something changes.

Try Ground free Get it on Google Play