Safe-to-spend number
See one conservative number that helps you decide what you can spend without going negative.
Safe-to-spend decisions
Know what you can safely spend before your next bill hits
Cash Copilot looks at your balance, upcoming bills, transfers, and spending patterns to give you one conservative number for everyday decisions.
Privacy-first. Read-only imports. No ability to move your money.
Decision view
Today
Bank balance
€4,280
Safe to spend
€1,140
Conservative money for everyday choices after known commitments.
Upcoming bill−€950 rent
Safe, but watch upcoming payments.
Your bank balance shows what you have. Cash Copilot shows what you can safely spend.
Next billRent
SignalWatch cash
The problem
Your bank balance does not tell the full story
Your account may show money today, but it does not explain what is already committed to rent, bills, transfers, subscriptions, or recurring expenses. That is why people overspend even when their balance looks fine.
- Balance is not the same as spendable money
- Upcoming payments are easy to forget
- Multiple accounts make the picture harder
- Cash Copilot turns messy money into one clear answer
Features
Everything supports the safe-to-spend answer.
Upcoming bills and transfers
Understand what is coming before it surprises you.
Statement import
Import CSV, XLSX, or PDF statements and turn raw bank activity into clear financial signals.
Multi-account clarity
Bring different accounts together so decisions are based on your full financial picture, not one bank app.
How it works
From money noise to one decision.
1
Import statements or connect accounts
Bring in the money picture you want Cash Copilot to understand.
2
Patterns become visible
Cash Copilot detects patterns, bills, income, and transfers from your activity.
3
See what is safe
You see what is safe to spend and what is coming next.
Privacy
Private by design
- Your data is used only to power your financial view
- No selling your data
- No advertising profile
- Read-only imports
- You stay in control of what you import and delete
Early access
Help shape Cash Copilot
We’re opening early access for iPhone and Android. Try the app, test your safe-to-spend number, and help us improve before launch.
Test on iPhone
Join the iOS beta through TestFlight and help us improve Cash Copilot before launch.
Join iPhone beta Requires Apple TestFlight appTest on Android
Join the Android beta through Google Play and help us validate the app before release.
Join Android beta Sign in with your Google account to installWhat we need from you
- Is the “safe to spend” number clear immediately?
- Did your data import correctly?
- Did anything feel confusing?
- Would this help you avoid overspending?
- Would you pay for this? Why or why not?
Private testing
- Your data is not sold
- Imports are read-only
- You control what you upload
- This is an early version — your feedback shapes the product
Simple pricing
Start free. Upgrade when you need deeper clarity.
Free
Start safely
- Basic safe-to-spend view
- Limited imports
- Basic reports
Pro
Deeper clarity
- 90-day projections
- Smart alerts
- Multi-account advanced analysis
- Advanced insights