How Much Can I Spend?
Calculate how much the user can safely spend right now.
One number, updated daily: what can be spent today without breaking anything later this month. It subtracts the bills that have not left yet, the ones that always catch people out.
What a v1 does5 features
- A single safe-to-spend figure, updated every day
- Upcoming bills subtracted before the number is shown
- Savings contributions treated as committed, not optional
- A widget, so the number is seen without opening anything
- The reason the number moved, when it moves sharply
The market
Monarch has roughly 1.8M monthly users and YNAB about 1.4M, at $99.99 and $109 a year. Mint's closure left the largest gap in consumer finance and three paid products grew into it. This is costed at $6 a month.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Rocket Money | $880M+ saved for members | 10M+ members | Company-stated, 2025 |
| Monarch Money | $99.99–199 a year | ~1.8M monthly active users | Published pricing, 2026 |
| YNAB | $109 a year | ~1.4M monthly active users | Published pricing, 2026 |
Why this audience
These viewers have been taught that the account balance is a lie because the bills have not left yet. That single insight is central to the content. A daily safe-to-spend figure operationalises the thing they already believe.
Before it can launch
- Open-banking access through Plaid
What it earns
Drag me Every figure recalculates as you go.
0.0091% of 11M followers · capped at 50,000
Opens on the price this idea was costed at, $6.
1,000 paying — 0.0091% of 11M followers — × $6 a month = $6,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.
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