# Means: Safe to Spend — Know what's safe to spend > Finance app that calculates and displays your safe-to-spend money after accounting for bills and goals. (iPhone/iPad app by Beyond BnB Ventures LLC.) - Source: https://appshunter.io/ios/app/means-safe-to-spend/id6793644841 (this page in markdown: same URL + `.md`) - Developer: [Beyond BnB Ventures LLC](https://appshunter.io/developer/6793645053) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 45 MB - Languages: American English - Released: 2026-08-13 - Data updated: 2026-10-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/means-safe-to-spend/id6793644841/reviews.md ## What is Means? Means answers the only money question that matters day to day: what's actually safe to spend right now? Connect your bank in seconds and Means does the rest. It reads your income, sets aside what's owed for bills and the goals you care about, and shows you one honest number — your safe-to-spend — on a calm home screen that updates on its own. No spreadsheets, no envelopes, no guilt. WHY MEANS • One honest number. Not a dozen charts — the amount that's genuinely yours to spend today. • It works on its own. Link your accounts once and spending shows up automatically. • Bills, handled. Means learns your recurring bills and quietly protects that money. • Goals that stick. Set money aside for what matters and watch safe-to-spend adjust. • Every number opens. Tap any figure to see the exact transactions behind it. • Calm by design. A quiet, warm interface that respects your attention. MEMBERSHIP The budgeting is free, and always will be. • Free — the full budgeting toolkit: your daily safe-to-spend, rollover, set-asides and a savings goal. You add spending by hand. 10 AI questions a month. • Plus — connect up to 10 banks so your spending appears on its own, plus 200 AI questions a month. • Pro — up to 20 banks and 1,000 AI questions a month. SUBSCRIPTION DETAILS Means Plus — $7.99 per month, or $59.99 per year (billed once a year). Means Pro — $14.99 per month, or $99.99 per year (billed once a year). Both include a 7-day free trial for new subscribers. Connecting a bank, so your spending appears automatically, is part of Means Plus and Means Pro. Without a subscription you can add spending by hand and ask 10 AI questions a month, free forever. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same period at the same price unless you turn off auto-renew at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the end of the current period. Manage your subscription or turn off auto-renew in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you purchase a subscription. Prices are in USD; prices in other regions may vary. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Means Terms of Service: https://api.means.finance/terms Privacy Policy: https://api.means.finance/privacy PRIVATE BY DESIGN Your bank connection is handled by Plaid, a trusted bank-grade provider, and is read-only — Means can see transactions and balances, and can never move money. Your data is encrypted, never sold and never used for advertising. Means is paid for by memberships, not by you. Support: https://api.means.finance/support ## Key features - Calculates safe-to-spend amount - Connects to bank accounts - Automatically sets aside money for bills - Protects money for savings goals - Provides a clear, single spending number - Calm and intuitive interface ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Means Plus (Monthly) | $7.99 | per month | | Means Plus (Annual) | $59.99 | per year | | Means Pro (Monthly) | $14.99 | per month | | Means Pro (Annual) | $99.99 | per year | ## Frequently asked questions about Means ### What is the free version of Means? The free version of Means offers the full budgeting toolkit, including your daily safe-to-spend, rollover, set-asides, and a savings goal. You can add spending manually and use up to 10 AI questions per month. ### How much does Means Plus cost? Means Plus costs $7.99 per month or $59.99 per year, with a 7-day free trial for new subscribers. This plan allows you to connect up to 10 banks and use 200 AI questions monthly. ### How much does Means Pro cost? Means Pro costs $14.99 per month or $99.99 per year, also with a 7-day free trial. This top-tier plan supports up to 20 bank connections and 1,000 AI questions per month. ### Can I cancel my Means subscription? Yes, you can manage your subscription or turn off auto-renew in your Apple Account settings at least 24 hours before the end of the current period to avoid automatic renewal. ### Is my financial data safe with Means? Means uses Plaid for read-only bank connections, meaning it can see transactions and balances but cannot move money. Your data is encrypted, never sold, and never used for advertising. ### Does Means have ads? No, Means is paid for by memberships, not by advertising. The app is ad-free, ensuring a focused user experience. ### What devices does Means support? Means is currently supported on iPhone and iPod devices, indicated by its compatibility with iOS. ### How often is Means updated? Means was last updated on August 13, 2026, with version 1.0. This indicates a recent release, and updates are expected to follow for improvements and new features. ## Version history (last 2 releases) ### 1.0.1 — 2026-08-23 Small repairs, mostly to the moments where Means wasn't clear enough. Notifications now open the screen they're about. If an update from your bank doesn't go through, Means says so instead of going quiet. Connecting a bank explains what actually happened, rather than asking you to try again when that can't help. And the assistant and Insights now describe the same month. Plus a round of layout and accessibility fixes throughout. ### 1.0 — 2026-08-13 No release notes. ## Apps similar to Means | App | Rating | Price | Category | | --- | --- | --- | --- | | [Spendable: Safe to Spend](https://appshunter.io/ios/app/spendable-safe-to-spend/id6794665402) | — | Free | Finance | | [Paycheck Ahead: Bill Planner](https://appshunter.io/ios/app/paycheck-ahead-bill-planner/id6801935290) | — | Free | Finance | | [Safe To Spend](https://appshunter.io/ios/app/safe-to-spend/id6758524287) | — | Free | Finance | | [SpendMunk - Budget Planner](https://appshunter.io/ios/app/spendmunk-budget-planner/id6762458425) | — | Free | Finance | | [Weekly Safe to Spend](https://appshunter.io/ios/app/weekly-safe-to-spend/id6751453337) | — | Free | Finance | | [UseKYN:Money Tracker & Planner](https://appshunter.io/ios/app/usekynmoney-tracker-and-planner/id6755681802) | 4.8 (19) | 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 2026-10-01.*