FAQ
Quick answers, with links to the full articles where there’s more to know.
Is it really free?
Section titled “Is it really free?”Yes. Clearly-labeled ads and disclosed partner offers pay for Amppfy today. Your data is never sold, and nothing on the page ever changes your number.
Do I have to link my bank?
Section titled “Do I have to link my bank?”No — and you can’t, by design. You type in balances yourself, which takes about 30 seconds per account at the weekly check-in. Nothing to connect, nothing to break.
Isn’t manual entry a lot of work?
Section titled “Isn’t manual entry a lot of work?”It’s balances, not transactions. Most people update everything in under a minute during the ten-minute weekly check-in. You’re not sorting every transaction — you’re confirming four or five numbers.
How is the number calculated?
Section titled “How 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 — see How the number is calculated.
Why did my number change?
Section titled “Why did my number change?”A payday passed, a balance was updated, a bill’s turn came, or a goal was paused or resumed — every change traces to one of the four lines. See Why did my number change?
What if the number comes back small — or negative?
Section titled “What if the number comes back small — or negative?”Then it told you something true, days earlier than your bank would have. A tight number isn’t a verdict; it’s a heads-up with time still attached. You can see exactly which bill is causing it, pause a goal, or move a due date.
What if I’m already carrying credit card debt?
Section titled “What if I’m already carrying credit card debt?”Most people we talk to are, and Amppfy doesn’t have an opinion about it. Add your minimum payments as bills and they get counted before the number appears — so what’s left is genuinely spendable. See Add and manage bills.
My income is irregular. Does this still work?
Section titled “My income is irregular. Does this still work?”Yes. Enter the paychecks you’re reasonably sure about and leave out the ones you aren’t — the number stays conservative on purpose. See Paydays and income schedules.
What does my partner see?
Section titled “What does my partner see?”They create their own login, and they see what you choose to share. Shared accounts and bills are visible to both of you; anything private stays private. See Shared vs. private.
What if my partner won’t use another app?
Section titled “What if my partner won’t use another app?”They get one job: a ten-minute check-in you do together each week. No homework, no audit — just the same clear number you see.
I’m not part of a couple. Is this still for me?
Section titled “I’m not part of a couple. Is this still for me?”Yes. Everything works the same with one login — the number, the bills, the goals, the check-in. The partner features are there if you ever want them, and out of the way if you don’t.
Is my information safe?
Section titled “Is my information safe?”Your login supports optional two-step verification, we never ask for bank credentials, and every screen only shows what you entered yourself.
Can I delete everything?
Section titled “Can I delete everything?”Yes — one button deletes your account and every record in it, with a 14-day window in case you change your mind. See Delete your account.