Simple Financials shows your real available balance — accounting for paychecks, holidays, recurring expenses, loans, and life’s surprises.
Simple Financials is built for how your money actually works — handling paycheck variations, annualized bills, auto-expiring loans, and multiple income sources, all in one place.
Enter your standard base pay — then set a reduced amount for days with a holiday or a missed shift. Simple Financials automatically projects the correct paycheck whenever one of those days falls in your cycle.
Set a yearly due date, recurrence frequency, and installment frequency. The app divides the total and shows you exactly what to set aside each month — no surprises when that big bill arrives.
Enter your installment amount and remaining payment count. The loan disappears from your expense sheet the moment it’s paid off — your safe-to-spend number automatically improves.
Start by entering your current account balance. Everything flows from there — income adds, expenses subtract, and you always know your real number.
Add as many income streams as you have — salary, freelance, side income. Each gets its own schedule and amount, all factored into your available balance automatically.
Simple Financials projects your safe-to-spend balance across four time horizons — accounting for holiday pay reductions, loan payoffs, and installment schedules.
Get up and running in minutes. Enter your balance, add your income and expenses, and your safe-to-spend number appears instantly.
Type in your account balance right now. This is your starting point — the number everything builds from.
Set up your paycheck(s): base amount, payment cycle, and a reduced amount for short weeks or holidays. Add as many sources as you need.
Bills, subscriptions, annual insurance, loan payments — enter each one with its recurrence. For loans, just add the installment amount and how many remain.
Simple Financials calculates your real Safe to Spend amount — with daily, weekly, monthly, and yearly forecasts, all updated automatically.
Simple Financials is free to download on the App Store. No subscription. No hidden fees. Just clarity about your money.
✓ Free · ✓ iPhone · ✓ No account required