Product
A calmer way to plan money.
Spenddeck combines the parts of personal finance that usually live in separate spreadsheets, notes, and mental calculations.
Safe to Spend
Your balance is not the same as spendable money. Spenddeck subtracts upcoming commitments and protected allocations, then makes every assumption inspectable.
- Integer minor-unit calculations
- Expected income stays excluded until received
- A clear calculation breakdown
Cash-flow timeline
See what has happened, what is due, and what may arrive next. Projected balances update as timeline events change.
- Recurring commitments
- Scheduled expenses
- Expected and confirmed income
Flexible planning
Budgets are optional guardrails, not the whole product. Protect money in buckets, set goals, and check whether a purchase fits your actual position.
- Flexible or monthly category limits
- Protected money buckets
- Affordability guidance
Your records, portable
Import existing transactions from CSV and export your complete financial data as CSV or JSON whenever you need it.