✓New · Free on iPhone and the web
Know What’s Safe-to-Spend™ Before Payday
Your bank balance isn’t your spending money — rent and the bills haven’t come out yet. Amppfy turns your balances, bills, and goals into one clear number for what’s Safe-to-Spend™ before payday, with the math shown. Free on iPhone, with the same account on the web.
Scan with your iPhone to get the appFree · No credit card · Just your balances
Prefer the web? Sign up free ›
- No credit card
- Just your balances
- Ten minutes a week
Already have an account? Sign in
WHY AMPPFY
One honest number instead of a balance
Everything below is a fact about the product. The receipt is one household’s math; yours works the same way.
Your balance isn’t your spending money
Rent, the car payment, and the streaming bill haven’t come out yet. Amppfy subtracts what’s due before payday, what you’re saving, and a cushion — and shows the one number that’s left, with every line printed under it.
UNTIL PAYDAY · FRI AUG 21
Available cash$3,412
− Bills before payday$1,240
− Planned savings$400
− Safety cushion$500
Safe-to-Spend™$1,272
16$12817$48618$41219$21420—21Payday22—
Bills covered before they’re due
Every upcoming bill and both paychecks on one calendar. Only what’s due before payday counts against your number.
Goals fund themselves first
Savings come out like a bill, so what’s left is really spendable. Pause a goal in a tight month; nothing breaks.
AS
$1,272
the same number on both phonesBuilt for two
Invite your partner by email. Two logins, one honest number — and you choose what’s shared.
✓TWTFSS
2-week streak ✓
Ten minutes a week
Confirm balances, glance at bills, close the week. That’s the whole job, and missing a week is fine.
HOW IT WORKS
From your balances to your number in ten minutes
No categories, no transactions. Just the four numbers that decide what’s safe to spend.
01
Type in your balances
Checking, savings, cash — about 30 seconds each. That’s all the app needs to start.
02
Add your bills and payday
The common ones are pre-listed. Only what’s due before your next paycheck counts against your number.
03
See your number
Safe-to-Spend™, with the four-line math printed under it — on your iPhone, your partner’s phone, and the web.
Know What’s Safe to Spend Before Payday
Download the app and enter your balances, bills, and payday — about ten minutes. Sharing money with someone? Invite them by email.
Scan with your iPhone to get the appFree · No credit card · Just your balances
Prefer the web? Sign up free ›
GUIDES, CALCULATORS, AND ANSWERS
Find the answer before you decide
Get financial clarity. Better outcomes. Clear, beginner-friendly guides on budgeting, debt, saving, investing, banking, home, and tax.
BROWSE BY TOPIC
Explore personal finance resources
The newest guides in each topic. Open one, or search above.
PERSONAL FINANCE
Money basics, decisions, and habits
- Should You Skip That Charitable Donation at the Cash Register?
- Survey: Women’s Finances More Precarious Than Men’s
- What to Expect When Meeting with a Financial Advisor
FREE CALCULATORS
Run the numbers before you decide
Twelve calculators, free, no sign-up. Pick the one that matches what you’re trying to do.
PLAN YOUR MONTH
Where the money stands today
Budget CalculatorIncome in, bills out, what’s left$1,273 leftEmergency Fund CalculatorHow many months you’re covered3.2 monthsNet Worth CalculatorEverything you own minus what you owe$18,400Debt-to-Income RatioWhat lenders see28%WHY READ AMPPFY
Why people read Amppfy
1,000+
guides, one question each
12
free calculators, no sign-up
New guides every week
written in plain English, checked against the sources
