💰 Personal Finance
Safe to Spend
What is Safe to Spend?
Safe to Spend is the amount you can freely spend after accounting for all your commitments: upcoming bills, subscriptions, savings goals, and tax obligations. It's your bank balance minus everything that's already spoken for.
Unlike your bank balance, Safe to Spend shows what's truly yours.
Example
Bank balance: ₦500,000. Bills: ₦180,000. Subscriptions: ₦25,000. Savings: ₦50,000. Tax: ₦30,000. Your Safe to Spend is ₦215,000 — only 43% of your balance.
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