What can I safely spend today?
Enter your paycheck and bills — get one clear, honest number.
Spending log
Track what you spend against your safe daily number.
Add your first one above.
About Us
Why we built this
When Mint shut down in early 2024, millions of people lost their go-to budgeting tool. The alternatives that emerged were complex, required bank linking, or pushed premium subscriptions. We saw a clear gap: most people don't need a full financial dashboard. They just need one number.
The Safe to Spend Calculator was built to fill that gap. No accounts. No syncing. No subscriptions. Just enter your paycheck, your fixed bills, and the days until your next check — and get your safe daily spend in seconds.
Our values
How it works
The math is intentionally transparent. We calculate your safe daily spend using a single formula:
No hidden adjustments, no algorithmic magic. Just your numbers, calculated honestly.
Who we are
We're a small team of product designers and engineers who got tired of financial tools that felt designed to upsell rather than help. The Safe to Spend Calculator is our answer to that.
Get in touch
Questions, feedback, or partnership inquiries — we'd love to hear from you. Use our or email us directly at hello@moneytrash.com.
Contact Us
Common questions
Before reaching out, check if your question is answered in our FAQ:
- Is my data saved to a server?
- How do I reset my data?
- Can I share my setup?
- How is the number calculated?
All answered on our .
Send us a message
Privacy Policy
1. Information we collect
The Safe to Spend Calculator is designed as a privacy-first tool. We do not collect, store, or transmit any personally identifiable information (PII) or financial data you enter into the calculator.
1.1 Data you enter
Paycheck amounts, bill details, and spending log entries are stored exclusively in your browser's localStorage. This data never leaves your device and is inaccessible to us.
1.2 Anonymous usage data
We may collect anonymized, aggregated usage data (such as page views and feature usage frequency) through privacy-respecting analytics. This data contains no personal identifiers and cannot be linked back to you.
1.3 Contact form submissions
If you contact us via our contact form or email, we collect the information you voluntarily provide (name, email, message) solely to respond to your inquiry. We do not add you to any mailing list without explicit consent.
2. How we use information
We use contact form data only to respond to your message. We use anonymized analytics data to understand which features are most useful so we can improve the calculator. We do not sell, rent, or share any data with third parties for marketing purposes.
3. Cookies
We do not use tracking cookies. We may use essential cookies required for the application to function. We do not use advertising cookies or cross-site tracking technologies.
4. Third-party services
We use Google Fonts to load typography. Google may collect anonymized font request data subject to Google's Privacy Policy. We do not integrate with any advertising networks, data brokers, or social media tracking pixels.
5. Data retention
Calculator data in your browser's localStorage persists until you manually clear your browser data or use the "Reset everything" function in the app. Contact form submissions are retained for up to 12 months for customer service purposes.
6. Your rights
Since we hold no personal data about you, there is nothing to access, correct, or delete on our end. For any contact form data, you may request deletion by emailing privacy@moneytrash.com.
7. Children's privacy
The Safe to Spend Calculator is not directed at children under 13. We do not knowingly collect information from children.
8. Changes to this policy
We will post any updates to this policy on this page with an updated effective date. Continued use of the calculator after changes constitutes acceptance of the updated policy.
9. Contact
Questions about this policy? Email us at privacy@moneytrash.com.
Terms of Use
1. Acceptance of terms
By using the Safe to Spend Calculator ("the Calculator") at moneytrash.com, you agree to these Terms of Use. If you do not agree, please do not use the Calculator.
2. Description of service
The Safe to Spend Calculator is a free, browser-based personal budgeting tool that helps users estimate a safe daily spending amount based on inputs they provide. The Calculator performs arithmetic calculations only and does not access, connect to, or retrieve data from any financial institution.
3. Not financial advice
The Calculator is an informational tool only. The output of the Calculator does not constitute financial advice, investment advice, tax advice, or any other professional financial guidance. You should not make significant financial decisions based solely on the Calculator's output.
We recommend consulting a licensed financial advisor or credit counselor for advice tailored to your specific situation, especially if you are experiencing financial difficulty.
4. Accuracy of calculations
The Calculator performs simple arithmetic based on the values you enter. The accuracy of the output depends entirely on the accuracy of your inputs. We make no representations about the suitability of the Calculator's output for any purpose.
5. No warranty
The Calculator is provided "as is" without warranty of any kind, express or implied. We do not warrant that the service will be uninterrupted, error-free, or free of viruses or other harmful components.
6. Limitation of liability
To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Calculator.
7. Acceptable use
You agree not to: use the Calculator for any unlawful purpose; attempt to gain unauthorized access to any portion of the service; use automated tools to scrape or extract data from the service; or attempt to disrupt or degrade the performance of the service.
8. Intellectual property
The Calculator, its design, code, and content are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Governing law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.
10. Changes to terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page. Continued use of the Calculator after changes constitutes acceptance of the updated Terms.
11. Contact
Questions about these Terms? Email us at legal@moneytrash.com.
Affiliate Disclosure
1. FTC disclosure compliance
In accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255), we disclose that the Safe to Spend Calculator website may contain affiliate links and paid relationships.
2. What are affiliate links?
An affiliate link is a specially tracked URL. When you click an affiliate link and subsequently purchase a product or service, we may receive a commission from the merchant. This commission comes at no additional cost to you — you pay the same price whether or not you use our affiliate link.
3. Types of affiliate relationships we may have
- High-yield savings account recommendations (e.g., online banks)
- Budgeting app comparisons and reviews
- Financial tools and calculators
- Credit counseling and debt management services
4. Our editorial independence
Affiliate commissions do not influence our recommendations, rankings, or editorial content. We only recommend products and services we believe provide genuine value to people trying to manage their finances better. We will always disclose when content is sponsored or when links are affiliate links.
5. The Calculator itself is free
The core Safe to Spend Calculator functionality is and will remain completely free to use. Affiliate relationships are a means of sustaining the service, not a gate to access it. We will never restrict calculator features behind an affiliate sign-up requirement.
6. How to identify affiliate links
Affiliate links may be marked with a † symbol or accompanied by a note such as "affiliate link" or "we may earn a commission." When in doubt, you can always email us to ask whether a specific link is affiliated.
7. Questions
Questions about our affiliate relationships? Contact us at hello@moneytrash.com.