Simple Financials shows your real available balance — accounting for paychecks, holidays, recurring expenses, loans, and life’s surprises.
“My bank shows $2,400 available — but I know bills are coming and my next check is a short one. What can I actually spend?”
Simple Financials answers this question — precisely.
Enter your standard base pay — then set a reduced amount for days with a holiday or a missed shift. Simple Financials automatically projects the correct paycheck whenever one of those days falls in your cycle.
Set a yearly due date, recurrence frequency, and installment frequency. The app divides the total and shows you exactly what to set aside each month — no surprises when that big bill arrives.
Enter your installment amount and remaining payment count. The loan disappears from your expense sheet the moment it’s paid off — your safe-to-spend number automatically improves.
Start by entering your current account balance. Everything flows from there — income adds, expenses subtract, and you always know your real number.
Add as many income streams as you have — salary, freelance, side income. Each gets its own schedule and amount, all factored into your available balance automatically.
All forecasts account for holiday pay reductions, loan payoffs, and installment schedules.
Type in your account balance right now. This is your starting point — the number everything builds from.
Set up your paycheck(s): base amount, payment cycle, and a reduced amount for short weeks or holidays. Add as many sources as you need.
Bills, subscriptions, annual insurance, loan payments — enter each one with its recurrence. For loans, just add the installment amount and how many remain.
Simple Financials calculates your real Safe to Spend amount — with daily, weekly, monthly, and yearly forecasts, all updated automatically.
“I finally stopped overdrafting. The holiday paycheck adjustment alone paid for itself — I never realized how much those short checks were catching me off guard.”
— mjensen_pdx“The loan countdown feature is so satisfying. Watching my car payment get closer to disappearing — and seeing my safe-to-spend number jump — is genuinely motivating.”
— t.ramirez“I set up my annual car insurance as a monthly installment and it just… works. No more panicking in November when the bill hits. The math is done for me.”
— kel.financesFree to download. No subscription. No hidden fees. Just clarity about your money.
✓ Free · ✓ iPhone · ✓ No account required