Safe to Spend
Expected monthly income (pay × 26 ÷ 12) minus protected: bills, debt minimums, the savings goal, and your safety buffer.
Interactive sample
Try the planning model.
A working miniature of Clearflow's engine. Edit the sample plan and watch Safe to Spend, the 60-day timeline, and the debt payoff comparison update live. Nothing leaves your browser.
Try the tight month: the monthly total still looks fine, but the timeline catches what the month hides.
Your sample plan
Everything here is editable. The results on the right recompute from these inputs.
Show your work
How this sample computes.
Protected first
Required costs are subtracted before anything is called available. A negative result means required costs exceed income.
The timeline
Paycheques every 14 days, bills and minimums on their day, for 60 days. Running cash starts at cash on hand. Below your buffer is flagged; below zero is a shortfall.
Debt payoff
Each month, interest accrues, every debt gets its minimum, then the extra payment plus freed-up minimums attack one debt: highest rate first (avalanche) or smallest balance first (snowball).
A simplified sample: the app projects 36 months, separates expected from confirmed activity, and keeps every assumption inspectable. Planning software, not financial advice.
Next step
See how it fits together.
The guide covers setup, the main screens, and a simple review routine.