✓Free on iPhone and the web
The Whole Picture, and a Nudge on Payday to Keep It Growing
Net worth shows what you own minus what you owe, month by month. The payday nudge asks one question when a paycheck lands: how much goes to your goals?
Amppfy’s net worth screen adds what you own and subtracts what you owe, month by month, and the payday nudge asks how much to move to your goals each time a paycheck lands.
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
✓THE PROBLEM
Saving happens last, if at all
The paycheck lands, the week happens, and by the next one there was nothing left to move.
Payday comes and goes
The money that was going to savings gets spent by Thursday, one small thing at a time.
You can’t tell if you’re getting ahead
A bank balance moves every day. Whether the year is going the right way is a different question.
The big numbers live in different places
The car, the loan, the card balance, the savings account. Nobody adds them up, so nobody knows.
One Tap on Payday
When a paycheck lands, Today shows a payday card: one amount per goal, already filled in. Adjust it if you like, move the money at your bank, tap Move money now. Skip a payday with Not this time, no guilt attached.
PAYDAY LANDED · FRI, OCT 9
Emergency fund $250 · Portland trip $150
Move money now ✓ 4 paydays in a row
Every Move, on the Goal’s Page
Each payday move lands in the goal’s own history, with the date and where it came from, and the progress bar shows where the plan expects you today. Goals fund themselves first, like bills, so the number you see is what’s truly left.
Everything, Together, Month by Month
Net worth is cash in your accounts minus card balances, plus what you own, minus what you owe. Add the car, the mortgage, the student loan, and the total updates, with 3, 6 and 12 month views of how it moved. Cash on hand stays separate from Safe-to-Spend™, so the everyday number never gets mixed up with the big picture.
What Counts Toward Your Number, and What Doesn’t
Accounts groups checking, savings, credit cards and cash, with a total for each. Checking and cash count toward Safe-to-Spend™; savings and credit cards never do, unless you say otherwise. Net worth reads all of them, and the check-in reminds you to refresh what you own and owe when a new month starts.
Good to Know
Good to knowDoes the Payday Nudge Move My Money?
No. It suggests an amount per goal; you move the money at your bank the way you always have, then tap Move money now. Amppfy records the move and updates the goal’s page and your streak.
Good to knowDoes Net Worth Change My Safe-to-Spend™ Number?
No. Assets and debts live on the Net worth screen. Your number keeps running on cash, bills due before payday, planned savings, and your cushion.
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.
More about the Amppfy app: Goals · Safe-to-Spend™ · Calendar & heads-ups
Know What’s Safe to Spend Before Payday
Add what you own and what you owe once. The payday nudge and the monthly snapshot take it from there.
Scan with your iPhone to get the appFree · No credit card · Just your balances
Prefer the web? Sign up free ›
