Cushion: safe to spend

Cushion answers one question, once a day: how much is safe to spend right now? It surfaces the answer as a single calm sentence — "You have $312 safe to spend until June 14." — and nothing else competes with that number for attention. Everything in Cushion exists to make that number trustworthy. No bank login. No Plaid. No account. No cloud. The number is deterministic arithmetic computed entirely on your iPhone: your account balances, minus bills due before your next payday, minus a safety buffer you set. You can verify it by hand. Apple's on-device Foundation Models phrases the calm sentence and reads pasted transaction lists — it never computes the number and never gives advice. Cushion is a personal money-awareness tracker, not financial advice and not a regulated financial service. WHAT CUSHION DOES - Computes your safe-to-spend figure in under 150ms, instantly on every edit - Phrases it as one calm plain-language sentence — "About $26/day. You're comfortably ahead." - Lets you log a spend in one tap; the number updates immediately - Parses pasted bank statement excerpts into structured bill entries you confirm - Shows a quiet cycle trend so you can see where the pay period is going - Runs fully offline — no Wi-Fi needed except StoreKit for subscriptions WHAT CUSHION DOES NOT DO - Link to your bank or ask for credentials — ever - Send any data off your iPhone (zero outbound traffic except StoreKit) - Give financial advice or tell you what to do with money - Gamify your finances with streaks, badges, or shame zones - Use cloud AI — all processing is Apple on-device 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/