✓Free on iPhone and the web
Savings That Happen by Default
Give each goal a monthly amount and it sets that money aside first, like a bill. Safe-to-Spend™ is calculated from what’s left.
Amppfy’s savings goals take their monthly amount off the top, like a bill, before your Safe-to-Spend™ number is calculated — and you can pause any goal in a tight month.
Scan with your iPhone to get the appFree · No credit card · Just your balances
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- No credit card
- Just your balances
- Ten minutes a week
Pay the Emergency Fund Like You Pay the Rent
An emergency fund, a trip, a deductible — each goal takes its contribution off the top, before your number is calculated. Even $25 a month adds up when it’s set aside first. Goals shows every one as a ring with the next milestone under it.
Pause When You Need To
Tight month? Open the goal, tap Adjust, and pause it — your Safe-to-Spend™ number rises by exactly that amount, instantly. The same sheet changes the monthly amount, the target or the date. Resume when you’re ready.
Watch Your Savings Add Up
Every goal has its own page: a progress bar with a marker for where the plan expects you today, Add money for a windfall or a quiet week, and a history of every move with its date. Real dates, calculated from real numbers, right on your phone.
Good to Know
The numberHow Is the Number Calculated?
Your available cash, minus bills due before your next payday, minus the savings your goals set aside, minus your safety cushion. The math is shown on every screen, line by line, so you can check it.
The numberWhat If I’m Already Carrying Credit Card Debt?
Most people are. Add your minimum payments as bills and they’re counted before your number appears — so what’s left is genuinely safe to spend. Amppfy doesn’t build payoff plans; it makes room for the payments you’ve already committed to.
FreeIs It Really Free?
Yes. Clearly-labeled ads and disclosed partner offers pay for Amppfy today, and nothing on the page ever changes your number.
More about the Amppfy app: Safe-to-Spend™ · Bills & paydays · For couples
Know What’s Safe to Spend Before Payday
Set a target and a monthly amount — the app handles the rest.
Scan with your iPhone to get the appFree · No credit card · Just your balances
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