Most budgeting methods are too complicated. You don't need 15 categories and color-coded spreadsheets. You need one number: what's safe to spend.
The Formula
Safe to Spend = Income - Bills - Subscriptions - Tax Obligations - Savings Goal
Why It Works
Instead of tracking every naira, you focus on one number. If it's positive, you're good. If it's shrinking, you adjust. Simple.
How Erin Calculates It
Erin automatically deducts your known obligations from your income and shows you what's actually yours to spend. Updated weekly.