✓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.
PLANNED SAVINGS · FUNDED FIRST
Emergency fund$1,850 / $3,000
Portland trip$420 / $900
Set aside each month$400
Goals take their share first — like bills.
Pause When You Need To
Tight month? Pause a goal and your Safe-to-Spend™ number rises by exactly that amount, instantly. Resume when you’re ready.
Watch Your Savings Add Up
Progress bars show when each goal will land at today’s pace — 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
Prefer the web? Sign up free ›
