# SafeToSpend Budget — Smooth uneven income daily

> Smooth uneven income daily (iPhone/iPad app by 炜腾 张.)

- Source: https://appshunter.io/ios/app/safetospend-budget/id6782205471 (this page in markdown: same URL + `.md`)
- Developer: [炜腾 张](https://appshunter.io/developer/1749544018)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 16.4 · 52 MB
- Languages: American English
- Released: 2026-06-26
- Data updated: 2026-08-12
- User reviews in markdown: https://appshunter.io/ios/app/safetospend-budget/id6782205471/reviews.md

## What is SafeToSpend Budget?

SafeToSpend turns volatile, uneven income into one calm number you can trust every day. Built for freelancers, digital nomads, and commission earners whose paychecks are never the same twice.

Log your income or an expense, and SafeToSpend buffers the surplus from big months and tops up the lean ones — paying you a steady "virtual paycheck" based on the target salary you set. Your home screen shows a single, honest number: how much is actually safe to spend today.

WHAT YOU GET (all free)
• Cash-flow buffer engine — big months fund lean months automatically, so your income never feels like a rollercoaster
• Safe to spend today — one clear daily number, computed on your device
• Manual entry — log income and expenses in seconds
• Virtual paycheck history — see the steady pay you've drawn over time
• Lean-season forecast & runway — know how many low-income months your buffer can cover
• Fixed-expense planner — keep recurring bills front and center
• Local-first math — your safe-to-spend number is always calculated on-device; works offline, no bank link required

WHY IT'S DIFFERENT
SafeToSpend never connects to your bank. There's no scary feed of transactions — just a buffer that smooths the highs and lows and one number that tells you what's safe to spend.

THREE STEPS
1. Set your target monthly salary
2. Log income or an expense
3. Check what's safe to spend today

LEGAL
• Privacy Policy: https://safetospend.sanva.tk/privacy
• Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/


## Version history (last 1 release)

### 1.0 — 2026-06-26

No release notes.

## More apps by 炜腾 张

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- [Chat Advisor](https://appshunter.io/ios/app/chat-advisor/id6526465428)
- [Story-Maker](https://appshunter.io/ios/app/story-maker/id6615064736)
- [iWebServer](https://appshunter.io/ios/app/iwebserver/id6737011072)
- [Less things](https://appshunter.io/ios/app/less-things/id6742431176)
- [Creator-Kit](https://appshunter.io/ios/app/creator-kit/id6762522230)

All apps by 炜腾 张: https://appshunter.io/developer/1749544018

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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 2026-08-12.*