Connect your bank. See your 30-day projection. Know exactly what is safe to spend, every single day.
Your bank balance is a snapshot. It tells you what you have right now, but it says nothing about what is coming. Rent, subscriptions, insurance, loan payments: they are all heading toward your account on different days.
SpendFloor looks forward. It pulls your real bank data, identifies every recurring charge, projects your balance 30 days into the future, and finds the lowest point. That lowest point is your floor: the real limit of what is safe to spend today.
Your balance says $2,400. Your floor says $847. That $847 is the number that matters.
SpendFloor uses Plaid, the same secure connection used by Venmo, Robinhood, and thousands of other apps. Your credentials go directly to your bank. SpendFloor never sees or stores them.
Tell SpendFloor about your recurring charges and income: rent, utilities, subscriptions, loan payments, paychecks. You build the rules. The engine does the rest.
Your SpendFloor card appears with your safe-to-spend number, a 30-day cash flow projection, and a status indicator. Green means you are good. Amber means it is tight. Red means hold off.
Open SpendFloor before any purchase. The number updates with every sync, every recategorization, and every rule change. It is always current.
SpendFloor is built around three views, each designed to do one thing well.
Talk to your AI financial strategist. It knows your numbers, your rules, and your upcoming charges.
Every transaction from your connected accounts, organized and filterable.
Your recurring charges and income, the engine behind your projection.
Most finance apps show you where your money went. SpendFloor shows you where it is going. The projection engine runs every time your data changes and builds a day-by-day cash flow table for the next 30 days.
Every known inflow and outflow is placed on the calendar. The engine walks forward day by day, calculating your projected balance at each point.
The lowest projected balance in the window is your floor. This is the number that determines what is truly safe to spend, not today's balance.
Recategorize a transaction, edit a rule, or override a charge: the projection recalculates immediately and your floor updates in real time.
SpendFloor always starts from your real bank balance via Plaid. No manual balance entry. No drift. Your projection is anchored to reality.
SpendFloor distills your 30-day outlook into one status so you can decide in seconds.
SpendFloor includes a conversational AI that knows your accounts, your recurring charges, and your projection. It does not lecture. It does not shame. It finds moves.
The strategist checks your projection, finds the impact, and tells you the best day to make it happen, or tells you straight if now is not the time.
Get a plain-language breakdown of upcoming charges and income so nothing surprises you.
Override just the next instance of a recurring rule. The strategist updates your projection without changing your permanent rules.
See your full 30-day projection as a line-by-line table: date, description, amount, and running balance.
You create the rules. Rent on the 1st, paycheck on the 15th, subscriptions on whatever day they hit. SpendFloor takes those rules, matches them against your real transactions to avoid double-counting, and builds your 30-day projection.
Changed your streaming plan? Edit the rule and every future projection reflects the new amount.
Electric bill running high this month? Override just the next occurrence. After it hits, the rule reverts to its normal amount. No permanent changes, no forgetting to change it back.
Expecting a one-time charge or a new recurring expense? Add it as a rule and it immediately appears in your projection.
The SpendFloor engine works anywhere there is a pool of money, recurring inflows, and a need to know what is safe to spend.
"What can I spend before payday?" Connect your bank, see your floor, spend with confidence.
"What can the business spend before receivables land?" Same engine, business accounts. Stay ahead of tight weeks.
"I have $1,000 to spend this month. Where do I stand?" Track a fixed allocation, spend it fully, never go over.
Bank connections are handled by Plaid, trusted by thousands of financial apps. SpendFloor never sees your bank credentials.
Your SpendFloor session is gated behind a PIN. No one picks up your phone and sees your finances.
Your data is stored in a secure PostgreSQL database with row-level security. Your data is yours.
SpendFloor is a progressive web app. Open it in your browser, add it to your home screen, and it works like a native app.
| Typical app | SpendFloor | |
|---|---|---|
| Shows you | Where money went | Where money is going |
| Time horizon | Past 30 days | Next 30 days |
| Safe-to-spend | Balance minus envelopes | Lowest projected balance |
| When you ask "Can I buy this?" | Check your categories | AI finds the best day |
| Tone | Lectures and limits | Offers moves, not judgments |
| Manual work | Categorize, set envelopes | Connect and go |
Connect your bank in under two minutes. SpendFloor does the rest.
No spreadsheets. No manual entry. Just connect and go.