# Amppfy — Safe to spend before payday > Safe to spend before payday (iPhone/iPad app by Amppfy Inc..) - Source: https://appshunter.io/ios/app/amppfy/id6807576128 (this page in markdown: same URL + `.md`) - Developer: [Amppfy Inc.](https://appshunter.io/developer/6807576130) - Category: Finance, Lifestyle - Price: Free - Age rating: 4+ - Requires: iOS 15.0 · 22 MB - Languages: American English - Released: 2026-09-08 - Data updated: 2026-09-29 - User reviews in markdown: https://appshunter.io/ios/app/amppfy/id6807576128/reviews.md ## What is Amppfy? Amppfy answers the one question every household asks: what can we actually spend before payday? ONE CLEAR NUMBER Your checking balance isn't what's safe to spend, because rent hasn't hit yet. Amppfy adds up the cash in your accounts, subtracts the bills due before your next paycheck, sets aside your planned savings and a safety cushion, and shows what's left: safe to spend. The math is always shown, right under the number. BUILT FOR TWO Invite your partner and you both see the same number, the same bills, the same goals, updated the moment either of you changes something. The money picture stops living in one person's head, and "did you pay the electric bill?" stops being a conversation. START WITH JUST YOUR BALANCES No bank connection required. Enter what's in your accounts, about 30 seconds each, and your number is ready. No transactions to sort, no categories to keep up, nothing to feel graded on. Amppfy answers "what can we spend?" instead of "where did it all go?" TEN MINUTES A WEEK, NOT A SUNDAY AFTERNOON The weekly check-in is a short routine that keeps your number honest: confirm upcoming bills, update balances, look at anything flagged. Done for the week, and your number is right again until the next one. YOUR NUMBERS, YOUR CALL You decide what Amppfy sees and what your partner sees. Shared accounts show for both of you; private ones stay private. Optional two-step verification keeps your login yours, and your data is never sold. WHAT'S INSIDE • Safe to spend, calculated daily, with every line of the math visible • Bills: due dates, auto-pay, who owns what, and a heads-up when something needs action • Income: every paycheck on a calendar, so you always know when the next one lands • Goals: an emergency fund or a trip, funded first like a bill, with an on-track date • Accounts: checking, savings, cash, and credit cards, each counted or not on your terms • Household: members, what each person sees, and the settings that shape your number • Needs review: a shared list for the things one of you should look at, a heads-up, never an alarm ONE ACCOUNT, EVERYWHERE Sign in with Apple, Google, or email. Everything syncs between your iPhone and the web at app.amppfy.com, so the number you check in the checkout line is the number your partner sees at the kitchen table. Free. No credit card required. Getting started takes a few minutes: enter your balances, add the bills due before payday, and your first Safe-to-Spend number is on screen. Then invite your partner and pick a day for your first check-in. ## Version history (last 5 releases) ### 1.1.2 — 2026-09-26 Fixes the email confirmation link for new sign-ups, and password reset links now open a page to choose a new password. ### 1.1.1 — 2026-09-25 Improvements behind the scenes. If you haven't looked lately: heads-ups, the calendar, subscriptions, and net worth all arrived in the last update, and they're waiting on your dashboard. ### 1.1.0 — 2026-09-24 • Heads-ups: a reminder when a bill is coming up, when your cash is running close to your cushion, or when it's check-in day. Turn them on from the dashboard and tune them under Account • Calendar: your month at a glance, with bills, paydays, and the lowest point before payday • Subscriptions: see what you pay every month, and mark one cancelled to put that money back into Safe-to-Spend™ • Payday nudge: when a paycheck lands, move money to your goals in one tap and keep the streak going • Net worth: what you own and what you owe, in one place, month by month • Bills now roll forward on their own each cycle ### 1.0.4 — 2026-09-22 • Safe-to-Spend™ is now the name of your number, on every screen • Faster, more reliable sign-in • Small fixes and improvements ### 1.0.2 — 2026-09-15 Small improvements behind the scenes. --- *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 2026-09-29.*