SpendGuard

Most budgeting apps tell you what happened after you've already spent. SpendGuard tells you before you buy.

It subtracts your bills, debt, savings goals, and emergency buffer from your balance to show what's actually safe to spend, not just what's sitting in your account.

What you get:

• Safe-to-spend, always current — your real spending power after every obligation is counted
• Purchase checks — a clear verdict (spend or hold), backed by your numbers, not gut feel
• Tradeoff comparisons — see two choices side by side before committing to either
• Risk monitoring — early alerts before a bill or goal is at risk

Built for people who want clarity without shame, not another spreadsheet.