# AffordWise : Safe to spend — Know what you can safely spend > Personal budgeting and financial planning app for understanding and controlling spending. (iPhone/iPad app by Albert Tayedzerwa.) - Source: https://appshunter.io/ios/app/affordwise-safe-to-spend/id6811064378 (this page in markdown: same URL + `.md`) - Developer: [Albert Tayedzerwa](https://appshunter.io/developer/6811064380) - Category: Finance, Education - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.6 · 4 MB - Languages: American English - Released: 2026-10-06 - Data updated: 2026-10-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/affordwise-safe-to-spend/id6811064378/reviews.md ## What is AffordWise? Know what you can safely spend today - and where your money is heading next. PRIVACY-FIRST BY DESIGN AffordWise does not collect the financial information you enter into the app. No bank account connection or AffordWise account is required. AffordWise is a personal budgeting and financial planning app designed to help you understand your money, stay on top of bills, control spending and plan ahead with confidence. Add the financial information you want AffordWise to use and build a clear picture of your finances around the way you actually live. SAFE TO SPEND Your bank balance doesn't always tell you what you can actually afford. AffordWise brings together your income, bills, recorded spending and planned savings to give you a clearer Safe To Spend figure for the month. MANAGE YOUR MONEY - Multiple income sources - Weekly, bi-weekly, monthly and one-off income - Transaction tracking with search and category filters - A built-in guide to getting started with Transactions - Flexible recurring bills and commitments - Upcoming and historical bill views - Category Budgets - Savings Goals - Editable Current Balance - CSV data export REPORTS & INSIGHTS Understand where your money is going with clear, visual reporting: - Income received and recorded spending - Cash-flow reporting - Colour-coded spending categories - Category breakdowns - Donut and bar chart visualisations - Top spending insights - Category Budget progress - Insights calculated only from your own AffordWise data Category Budgets help you set monthly spending limits and see whether you're On Track, Approaching Limit or Over Budget. PLAN FROM PAYDAY TO PAYDAY Calendar months aren't always how real life works. Premium Pay-Cycle Insights lets you select your primary income and understand your finances from one payday to the next: - Your current pay cycle - Income received during the cycle - Recorded spending - Bills already paid - Bills remaining before payday - Planned savings - Available Until Payday - Daily guidance where applicable AffordWise can also highlight when upcoming commitments before payday may put pressure on your current balance. PLAN AHEAD WITH AFFORDWISE PREMIUM AffordWise Premium unlocks advanced planning, reporting and personalisation. BALANCE FORECAST See your projected month-end and year-end financial position before you get there. 12-MONTH FORECAST Explore a rolling month-by-month view of where your finances may be heading. WHAT IF PLANNER Considering a purchase or change? Test potential financial decisions before making them and see how they could affect your plan. PAY-CYCLE INSIGHTS Understand what needs to last from payday to payday, not just what happened during a calendar month. FULL REPORTS & INSIGHTS Unlock the complete reporting experience, including historical comparisons, custom reporting periods, visual dashboards and deeper insights. MAKE IT YOURS - App Icons - choose a Home Screen icon, including seasonal and cultural designs - Premium Themes - Ocean, Sunset and Aurora PLAN WITHOUT LIMITS - Unlimited Savings Goals - Suggest a Feature - help shape what AffordWise builds next Choose Premium Monthly, Premium Annual or Founder Lifetime. FOUNDER LIFETIME A one-time purchase for lifetime AffordWise Premium. No subscription, no renewals. £9.99 until 31 December 2026. PRIVACY-FIRST FINANCIAL PLANNING No bank connection or Open Banking required. Your finances remain something you choose to record and manage within AffordWise. AFFORDWISE HELPS YOU ANSWER: How much can I safely spend? Where is my money going? What bills are coming up? Am I staying within my budgets? What could my finances look like later? What happens if I make this purchase? What needs to last until my next payday? Understand today. Plan what comes next. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Safe to Spend calculation - Income and bill tracking - Category budgeting - Savings goals - Visual spending reports - Pay-cycle planning - Balance forecasting ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | AffordWise Premium Monthly | $3.99 | per month | | AffordWise Premium Annual | $29.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | AffordWise Founder Lifetime | $9.99 | one-time | ## Is AffordWise safe? Not enough ratings yet to assess AffordWise. ## Is AffordWise legit? AffordWise : Safe to spend has limited verification signals. The AppsHunter Legitimacy Score for AffordWise is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/affordwise-safe-to-spend/id6811064378/reviews.md ### 5/5 — Great features *2026-10-20* Loving the features, awesome visuals ### 5/5 — Innovative *2026-10-10* Downloaded this app and from the second I had it, I couldn’t believe how much easier it’s going to make my life! No more spreadsheets or notes on my phone! Cannot wait to see how it goes. Great innovation ## Frequently asked questions about AffordWise ### Does AffordWise have ads? No, AffordWise does not contain advertisements. The app is free to use with optional premium features available through subscription. ### What are the subscription options for AffordWise Premium? AffordWise Premium offers two subscription plans: a monthly plan for $3.99 and an annual plan for $29.99. These plans unlock advanced features like balance forecasting and detailed reporting. ### How does AffordWise ensure user privacy? AffordWise is designed with privacy first, meaning it does not collect your financial information. No bank account connection or AffordWise account is required to use the app. ### What kind of financial data can I track with AffordWise? You can track multiple income sources, flexible recurring bills, recorded spending with search and category filters, and savings goals. The app also allows for an editable current balance. ### Can I export my financial data from AffordWise? Yes, AffordWise supports CSV data export, allowing you to take your financial information with you or use it in other applications. ### What age rating does AffordWise have? AffordWise has an age rating of 4+, making it suitable for a wide range of users. ### How often is AffordWise updated? The latest version of AffordWise is 1.3, and it was last updated on October 21, 2026. Updates typically include new features and improvements. ### What devices are supported by AffordWise? Currently, AffordWise is supported on iPhone devices. ## Version history (last 4 releases) ### 1.3 — 2026-10-21 A brand-new Bills tab, a new animated theme and a few little moments of joy. NEW: BILLS, REDESIGNED - Left to pay this month, with a progress ring showing how many bills are left - Upcoming bills at a glance - "Your bills" – a full list of every bill you've set up, so you can check nothing's missing - Paid, Unpaid and Overdue in their own boxes, each collapsible to keep things tidy BILLS THAT END - Set an end date for phone contracts, finance or loans – the bill stops counting after its last payment and its history is kept - Deleting a bill now asks you to confirm SMARTER SET-UP - Adding savings as a bill? AffordWise now points you to Savings Goals, so it's counted the right way LITTLE MOMENTS - Your Safe To Spend figure rolls into place when you open the app - Hit a savings goal and AffordWise celebrates with you NEW PREMIUM THEME: NEBULA - A living purple background with gently moving waves (pauses in Low Power Mode and with Reduce Motion) Thanks for using AffordWise – and to everyone who sent feedback. Keep it coming via Settings → Suggest a Feature or Report an Issue. ### 1.2 — 2026-10-19 New: App Icons (Premium) Make your Home Screen yours. Choose from a set of app icons, including Halloween and our Black History Month collection: Heritage, Kente and Sankofa. More seasonal icons are on the way. A cleaner Settings screen Theme and App Icon now live together under a new Personalise section, each with its own screen. There’s also a new “Rate AffordWise” option if you’d like to share your thoughts on the App Store. Refreshed themes We’ve trimmed the theme collection to our best: Midnight and Monochrome (free), plus Ocean, Sunset and Aurora (Premium). New themes will be added over time. If you were using a retired theme, AffordWise will switch you to Midnight. Easier first steps in Transactions The “Using Transactions” guide is now available before you add your first transaction. Tap to expand it whenever you need it. Thanks for using AffordWise! ### 1.1 — 2026-10-07 What's New in AffordWise 1.1 ? A more private, polished AffordWise. • Privacy & Your Data - see exactly how AffordWise protects the financial information you enter. • Suggest a Feature - Premium users can now suggest ideas directly from Settings. • Report an Issue - every user can quickly report a problem to AffordWise Support. • Improved Pay-Cycle Insights - payday is now recognised correctly from the start of your selected payday. • Plus additional usability refinements across Settings. Thanks for using AffordWise. ### 1.0 — 2026-10-06 No release notes. ## Apps similar to AffordWise | App | Rating | Price | Category | | --- | --- | --- | --- | | [Affordly: Budget & Expense App](https://appshunter.io/ios/app/affordly-budget-and-expense-app/id6769364448) | — | Free | Finance | | [ID Check with Lovey](https://appshunter.io/ios/app/id-check-with-lovey/id1642697602) | — | Free | Finance | | [Worldpay Dashboard](https://appshunter.io/ios/app/worldpay-dashboard/id6443655588) | — | Free | Finance | | [UnityLink Money Transfer](https://appshunter.io/ios/app/unitylink-money-transfer/id1322425790) | 4.9 (41) | Free | Finance | | [Banana Split, Bill & Expenses](https://appshunter.io/ios/app/banana-split-bill-and-expenses/id497258676) | 4.5 (212) | Free | Finance | | [XRP Alerts](https://appshunter.io/ios/app/xrp-alerts/id1059392404) | 4.7 (2,007) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-26.*