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SpendBeacon
Know exactly what you can safely spend.
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SpendBeacon
Know exactly what you can safely spend.
Solo BudgetOwner
Getting ready
Your safe spending plan is opening.
SpendBeacon is protecting bills and checking today’s allowance.
You're in control
Plan status
Reality check loading…
Projection loading…
Connecting…
Cycle active.
Continuous ledger
Your money, carried forward transaction by transaction
Current
Account balance$0.00
The running calculated spending-account balance.
Reserved for bills$0.00
Unpaid bills due on or before payday.
Available to spend$0.00
Account balance minus bills reserved.
Daily spend$0.00
Today’s safe pace from the same ledger output.
Daily spend$0.00
Available money spread across remaining spending days.
Next paydayNot set
0 spending days remaining.
Savings held separately$0.00
Protected outside the spending account.
Reconciliation statusBalanced
Calculated and actual balances agree.
How daily spend is calculated
Account balance$0.00
minus bills reserved-$0.00
equals available to spend$0.00
divided by days until payday1
equals daily spend$0.00
Available to Spend
$0.00
Live budget
Safe to Spend Today$0.00
Next payday0 days until next pay
Pay cycle progressCurrent cycle
Your position
Money Breakdown
Snapshot values
Bank Balance$0.00Your latest confirmed bank position
Bills Reserved$0.00Protected until payday
Available to Spend$0.00Safe after protected bills
Savings$0.00Protected outside daily spending
Vaults$0.00
Next PayNot set0 days away
Money Pulse
Excellent
Your available money is holding a safe pace.
Available through payday$0.00
Move money
Quick Actions
Daily guardrail
Today’s Progress
On pace
Safe Today$0.00
Tracked Spend$0.00
Remaining Today$0.00
Tracked spend reflects today’s expenses in your transaction ledger.
Latest movements
Recent Activity
Activity appears here as spending, bills, income, and savings are logged.
Overspend Recovery
Get this cycle back under control
Action needed
Next best move
Preparing today...
Today
Bank is below current commitments. If forgotten spending explains this, reconcile it and move on.
Money Coach
Your plan is ready
Checking protected bills, safe daily spend, and the next best move.
Financial Breakdown
Where your money is held
Calculation details
More ways to add spending
Quick Actions
Log spending and check bills.
Ready
Record spending now so Available to Spend stays accurate.
Choose a category to save this spend.
Repeat recent spend
No recent spends yet.
More detail Updated
Cycle summary
Cycle summary
Today’s money position
Daily runway0 days
$0.00/day safe pace
Protected$0.00
Bills, savings and vaults kept out of spending
Bank checkNot set
Add bank balance to compare with SpendBeacon
BillsSpentVaultsSafe
Cycle amounts
Current cycle
Updated
Cycle money$0.00
Bills protected$0.00
Spent$0.00
Protected savings / vaults$0.00
Spending by Category
This cycle
$0.00
No spending logged this cycle yet.
Daily routine Check
Daily Check-In
Make today’s number reliable.
0/4
Check-in loading... SpendBeacon is checking the small steps that keep today accurate.
Bill Due Confirmation
Confirm bills that should have cleared.
Check
Checking bills... SpendBeacon is checking whether due bills should still be protected.
Forecast & advanced guidance Optional
Payday Forecast
Predicting next payday...
Checking
Forecast loading... SpendBeacon is checking where you should land by payday if spending continues like this.
Projected payday
$0.00
Current pace
$0/day
Safe pace
$0/day
Days left
0
More checks Optional
Setup Confidence
Checking if SpendBeacon is ready.
Checking
Setup check loading... SpendBeacon is checking whether your starting details are strong enough to trust.
Today’s Money Plan
Building today’s plan...
SpendBeacon is checking what is safe, what is protected, and what needs attention.
Daily Commitment
Build the habit.
Checking
Loading today’s progress... SpendBeacon is checking whether today has been logged and protected.
Progress
0
Winning streak
0
Your score updates from budget pressure, pace, and money left in the cycle.
Smart Forecast
Forecast loading... SpendBeacon is checking the next pay cycle.
Bills before payday
$0.00
Safe daily spend
$0.00
Projected leftover
$0.00
Shortfall
$0.00
Days left0 days
Biggest upcoming billNone
Savings decisionChecking...
Sinking decisionChecking...
Forecast bill list
Upcoming Bills 0 bills
Sinking Fund Vaults
Vaults now live in the Savings tab so current commitments is easier to find and withdraw when needed.
Savings Goal 0%
Goal target$0.00
Saved so far$0.00
Per-cycle savings$0.00
Remaining to goal$0.00
Full Breakdown
Locked Money
Locked for current bills$0.00
Sinking allocated this cycle$0.00
Available to spend now$0.00
Projected cycle position$0.00
Quick Summary
Extra pay added$0.00
Cycle income$0.00
Following pay amount$0.00
Due-date bills next cycle$0.00
Sinking funds this cycle$0.00
Per-cycle savings$0.00
Fun target$0.00
Money saved this cycle$0.00
Remaining days0
Daily buffer target only$0.00
Spent this cycle$0.00
Carryover / opening balance$0.00
Primary savings account
General Savings
Protected outside daily spending.
Protected
Current Balance$0.00
Available Balance$0.00
Available for a deliberate transfer out
Account typeGeneral savings
Separate from sinking fund Vaults
Account activity
Recent Transfers
Protected future costs
Sinking Fund Vaults
Separate sinking funds for rego, insurance, school costs, Christmas, and other future bills.
0 vaults
How vault withdrawals work
Withdrawing from a vault deliberately moves current commitments back into this cycle as spendable money. SpendBeacon records it so the decision is visible instead of silently stealing from future bills.
Savings goals
Give General Savings a purpose.
Goals allocate the General Savings balance for planning only. They do not move money into Vaults.
Total protected$0.00
Loading your goals…
Savings history
Momentum
0 week streak
Archived goals 0
Savings coach
Shared household
One plan. Two people. Complete clarity.
LiveCurrent pay cycle
Together
Household safe to spendCombined bank balanceCanonical bank truthCombined savingsProtected from daily spendBills remainingShared goalsNext payday
People
Household members
Tap for detailed activity
Live record
Activity
0
Spending
Household comparison
This month
Monthly scoreboard
Owner controls
Permissions & approvals
Owner
Partner permissions
Large purchase approval
Spending intelligence
See the pattern. Protect the plan.
Every insight is read-only and grounded in your financial snapshot and transaction history.
Current cycleChecking dates
Where it went
Category breakdown
0 categories
Safe to Spend coach
Your next best move
Checking
Last seven days
Weekly spending
No activity
Daily spend Daily average
Cycle over cycle
Category trends
Previous cycle
Completed pay cycles
Six-cycle money trend
Historical snapshots
Transaction explorer
Search and filter spending
0 transactions$0.00
Money Summary
The plain-English version first. Open the detail only when something needs checking.
Checking
Loading insights... SpendBeacon is turning the numbers into one clear answer.
Trust
Checking
Cycle status
Checking
This week
Checking
Next move
Checking
Next best move
Trust Check
Checks whether your bank can cover protected bills, savings, sinking funds, and commitments.
Checking
Trust check loading... SpendBeacon is comparing your real bank balance against the commitment plan.
Actual bank
$0.00
Protected required
$0.00
Protection margin
$0.00
Safety gap
$0.00
Trust layer loading...
What is protected
Safe spend after protection$0.00
Current commitments$0.00
Protection explanation
Cycle Safety
A plain-English check of whether this pay cycle is safe.
Checking
Health check loading... SpendBeacon is stress-testing the cycle.
Runway
0 days
Risk level
Checking
Cut spending by
$0.00
Safe one-off spend
$0.00
Weekly Tracking
Checks whether this week’s spending is following the plan.
Checking
Weekly check loading... SpendBeacon is comparing your safe weekly pace against logged spending.
Planned safe spend
$0.00
Actually logged
$0.00
Reality gap
Checking
Avg daily spend
$0.00
Check windowChecking...
Top spend areaChecking...
Spend logsChecking...
ConfidenceChecking...
Reality adjustment
Protected Balance Helper
Checks whether the real bank balance can cover current commitments.
Checking
Reconciliation loading... SpendBeacon is checking whether current commitments is covered.
Protection gap
$0.00
Status
Checking
Amount short
$0.00
Priority
Checking
Protect this first
Protection details
Loading evidence…
Use Reconcile & Move On only when forgotten spending explains the gap.
Habit Check
Checks whether your spending habit is helping or hurting the plan.
Checking
Behaviour check loading... SpendBeacon is checking whether today's behaviour matches the plan.
Habit streak
0
Best streak
0
Spend trend
Checking
Avg daily spend
$0.00
Weekly feedbackChecking...
Cycle paceChecking...
Next moveChecking...
Financial intelligence
Your money, from now to payday.
Every projection starts with SpendBeacon’s canonical money position. Explore the cycle without changing a single real transaction.
Current cycle Read-only forecast
--Health
Add your current bank balance to unlock a precise cash-flow forecast.
Projected on payday$0.00After scheduled incomeExpected savings$0.00Protected balanceBills fully funded0 / 0Canonical bill reserveForecast confidence--Checking cycle data
Cash flow timeline
Today → next payday
$0.00 available today
AvailableBillsIncomeSavingsVaults
Daily forecast
The rest of this pay cycle
On track
Date
Opening
Bills
Income
Allowance
Closing
Upcoming risks
What deserves attention
Financial health
A clearer signal than a balance alone.
Checking bills, savings, spending pace and vault progress.
Money Coach is preparing your next best move.
Interactive charts
The shape of your cycle
Export centre
Take the forecast with you.
Download a current forecast, monthly summary, household report or savings report.
Decision Check
Check a purchase before you tap your card. SpendBeacon shows the decision, payday impact, protected bills, and what to do next.
Spend amount
Description
Run a check before spending. Guessing is how budgets get wrecked.
Canonical guidance, not guesswork
Your plan is ready
Money Coach is checking today’s safe pace and protected commitments.
Available to Spend$0.00After protected bills and recorded activitySafe Daily Spend$0.00Your current daily ceilingBills Protected$0.00Excluded from flexible spendingBank Cushion$0.00Bank money kept outside daily spend
Today’s sequence
Do these in order
1
Keep spending within today’s safe number.
Intelligent notifications
Signals that deserve attention
Add Spend
Current cycle is locked to your chosen pay date. The app rolls over automatically on payday.
Quick add
Item
Amount
Category
Who
Date
Spending History
0 items
Bills & Sinking Funds
Paid bills disappear from this cycle view. Bills only stay here when they are upcoming or marked not paid.
Paid removes it from this cycleNot paid keeps it protected
Spending Trends
Where your money went this cycle.
Total spent
$0.00
Total saved
$0.00
Cycle History
Budget Setup
Checking permissions...
Budget Name
Person 1
Person 2
Currency
Pay Cycle
Last Pay Date
Pay Frequency
Next Pay Date
Expected Income
Next Pay (Manual)
Following Pay
Targets & Goals
Weekly Savings
Savings Goal
Fun Money
Current Savings
Minimum Daily Buffer
Where savings are held
Separate-account savings stay protected and never become spendable, but they do not make the main account look short.
Actual Bank Balance
Used to check whether protected bills, savings, and commitments are covered. It is not meant to match safe spend.
Use this when the app balance has drifted because spending, a transfer, a fee, or an earlier bug was missed.
Pending transaction note Your bank balance may include card transactions that have not cleared yet. If the number looks slightly off, use Reconcile & Move On only when forgotten spending explains the gap.
Financial Coaching
Show occasional messages based only on verified continuous-ledger history.
Coaching can be turned off at any time.
Money Coach
Intelligent notification choices
These choices follow your account across devices. Safety guidance always reads canonical financial outputs and never changes the budget maths.
Money Coach choices are saved across devices.
Account Security
Change your password when you are logged in. If you cannot log in, use Forgot password on the login screen.
New Password
Confirm Password
Join Shared Budget
Received an invite? Paste the code below to join your partner's budget.
Invite Code
Enter an invite code to join a shared household.
Maintenance
Starting Balance
Factory reset clears budget data for testing. Your login remains.
Invite status loading...
Savings goal
Create a goal
Step 1 of 6
Add Bill
Create or edit bills cleanly. No name, amount, or due date = no save.
Name
Amount
Type
Due Date
Frequency
Category
Choose a due date.
For sinking funds, the amount is your total vault goal. SpendBeacon spreads it across pay cycles automatically.
SpendBeacon alerts
Notifications
Checking your budget signals...
Enter amount
Are you sure?
Payday confirmation
Confirm pay received
Check the amount before adding one income transaction to your continuous ledger.
Expected pay$0.00
Current calculated account balance$0.00
New balance after pay$0.00
Current next paydayNot set
Next payday after confirmationNot set
Separate savings transfer
Confirm savings transfer
SpendBeacon will assume you move this money from your spending account into a separate savings account. Your available spending and Safe Daily Spend will reduce immediately.
Complete the matching transfer in your banking app.
Transfer amount$0.00
Current main-account balance$0.00
Balance after transfer$0.00
Current available to spend$0.00
Available after transfer$0.00
Current safe daily spend$0.00
Safe daily spend after transfer$0.00
Separate savings balance after transfer$0.00
Undo with a ledger reversal
Reverse savings transfer?
The original ledger entries stay in place. SpendBeacon adds an explicit reversal that returns the money to the calculated main account and reduces separately held savings.
A new name, the same trusted budget
🎉 Welcome to SpendBeacon
BudgetFlow has a new name.
We've rebranded to SpendBeacon to better reflect what the app does—helping you know exactly what you can safely spend.
Nothing has changed with your data.
Your budgets, bills, spending history, savings, vaults and settings have all been preserved.
What's new
New SpendBeacon branding
Cleaner visual identity
Improved cash-flow accuracy and presentation
General bug fixes and performance improvements
Thank you for helping test SpendBeacon.
Know what’s safe to spend before payday.
Protect the money that matters first, then spend with a clear number.
