# Cushion: safe to spend today — Until payday, no bank login

> Until payday, no bank login (iPhone/iPad app by Vassiliy Shmigirilov.)

- Source: https://appshunter.io/ios/app/cushion-safe-to-spend-today/id6777035082 (this page in markdown: same URL + `.md`)
- Developer: [Vassiliy Shmigirilov](https://appshunter.io/developer/1896660058)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 1 MB
- Languages: American English
- Released: 2026-06-22
- Data updated: 2026-08-20
- User reviews in markdown: https://appshunter.io/ios/app/cushion-safe-to-spend-today/id6777035082/reviews.md

## What is Cushion?

Cushion answers one question, once a day: how much is safe to spend right now? The answer arrives as one plain sentence on an otherwise quiet screen. "You have $312 safe to spend until June 14." Nothing else in the app competes with that number for your attention.

You never hand over a bank login. There is no Plaid connection and no account to create, because the figure is deterministic arithmetic computed on your iPhone: your account balances, minus the bills due before your next payday, minus a safety buffer you set. You can check the math by hand.

HOW THE NUMBER IS BUILT
Enter your account balances. Enter the bills due before your next payday. Set the safety buffer you want left standing when payday arrives. Cushion subtracts, and what remains is the number. That is the whole model, and it is the reason the figure recomputes in under 150ms on every single edit: change a bill and the sentence has updated before you look up.

Because the model is small enough to explain in one paragraph, it is small enough to audit. If the number ever looks wrong to you, you can find out why with a pencil.

PLAIN LANGUAGE, NOT A DASHBOARD
Cushion writes the result as a sentence a person would say. "About $26/day. You're comfortably ahead." There are no rings to close, no charts to interpret, no budget categories to have set up in advance. One number and one sentence, and everything else in the app exists to make that number trustworthy.

LOG A SPEND IN ONE TAP
One tap records what you spent and the number moves immediately. There is no category picker to satisfy first and no receipt to photograph.

PASTE A STATEMENT INSTEAD OF TYPING BILLS
Copy a chunk of your bank statement, paste it in, and Cushion reads the lines into structured bill entries that you confirm one at a time. Apple's on-device Foundation Models do the reading and write the plain sentence. They never compute the number, and they never offer an opinion about your money.

SEE THE SHAPE OF THE PAY PERIOD
A quiet cycle trend shows where the pay period has been going, without turning your spending into a scoreboard.

WORKS IN AIRPLANE MODE
Cushion runs fully offline. It needs the network for exactly one thing: Apple's StoreKit, when you buy or restore a subscription. Outbound traffic is otherwise zero.

WHAT CUSHION WILL NOT DO
- Link to your bank or ask for credentials, ever
- Send any data off your iPhone
- Give financial advice or tell you what to do with money
- Gamify your finances with streaks, badges, or shame zones
- Use cloud AI of any kind. All processing is Apple on-device

Cushion is a personal money-awareness tracker. It is not financial advice and it is not a regulated financial service.

PRIVACY
Everything stays on your iPhone. Cushion collects no data. App Privacy: Data Not Collected, Tracking No. Zero third-party analytics. No account, no sign-in, no server.

SUBSCRIPTION TERMS

Cushion Premium is an auto-renew subscription. Annual plan: $99.99/year after 7-day free trial. Weekly plan: $7.99/week, no trial. Lifetime access: $149.99 one-time purchase. Payment is charged to your Apple ID at confirmation. Subscription renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings → Apple ID → Subscriptions. Your first payment is not charged during the free trial.

Privacy Policy: https://hadgerapps.github.io/cushion/privacy/
Terms of Use: https://hadgerapps.github.io/cushion/terms/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Cushion Annual | $99.99 | per year |
| Cushion Weekly | $7.99 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Cushion Lifetime | $149.99 | one-time |



## Version history (last 5 releases)

### 1.3.0 — 2026-08-16

A new look on your Home Screen.

• Cushion has a new icon, redrawn so it stays readable at the small size it is actually seen at, on the Home Screen and in search.
• The foot of About now lists the other apps from the same studio, under More from Hadger. Plain links, nothing loads in the background.
• Everything still stays on your iPhone. No account, no bank login, no tracking.

### 1.2.0 — 2026-07-01

A calmer, clearer Cushion.

• Your recent spends now sit quietly beneath your safe-to-spend number, so the home screen always feels grounded.
• The upgrade screen reads more clearly — every plan, including the one-time Lifetime option, stays fully legible at any text size.
• A more considered, single-accent look across the app, with a calmer Settings screen.
• As always, everything stays on your iPhone — no account, no bank login, no tracking.

### 1.1.1 — 2026-06-24

A crisp new look. Your safe-to-spend number now reads like a precise instrument — one calm figure on a clean face, with a single signal colour. Same Cushion underneath: the math is yours, computed on your iPhone. No bank login, no cloud — ever.

### 1.1 — 2026-06-23

A fresh, crisp look. Your safe-to-spend number now reads like a precise instrument — one calm figure on a clean face. Same Cushion underneath: the math is yours, computed on your iPhone. No bank login, no cloud — ever.

### 1.0 — 2026-06-22

No release notes.

## More apps by Vassiliy Shmigirilov

- [Soft Day: kind journal](https://appshunter.io/ios/app/soft-day-kind-journal/id6769456388)
- [Pith Voice: AI Diary Journal](https://appshunter.io/ios/app/pith-voice-ai-diary-journal/id6770544476)
- [Wake: Sleep Insight & Score](https://appshunter.io/ios/app/wake-sleep-insight-and-score/id6772706780)
- [Pause: Focus & Screen Time](https://appshunter.io/ios/app/pause-focus-and-screen-time/id6773488024)
- [Body Almanac: Alcohol & Sleep](https://appshunter.io/ios/app/body-almanac-alcohol-and-sleep/id6776374110)

All apps by Vassiliy Shmigirilov: https://appshunter.io/developer/1896660058

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*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 2026-08-20.*