Spendable : Schmapps

**How much can I safely spend today?** Spendable : Schmapps answers one question, and shows the answer very large. Tell it how much money you have, when you are next paid, and which bills are coming up. It sets that bill money aside and turns whatever is left into a simple daily amount. Record what you spend and the number updates. That is the whole app. **No bank connection.** Spendable : Schmapps never asks for your bank details, has no account to sign into, and stores nothing in the cloud. Everything stays on your phone and it works completely offline. **Your bills are protected.** Money set aside for rent, the phone bill or the gym is never part of your daily amount, so you cannot accidentally spend it twice. Mark a bill paid and Spendable : Schmapps counts it once, even when the amount comes in different from your estimate. **Nothing expires at midnight.** Spend less today and tomorrow goes up. Spend more and tomorrow adjusts down. There is no telling-off, no red screen and no guilt - Spendable : Schmapps just recalculates. **Built for weekly and fortnightly pay.** Not everybody is on a monthly salary, and Spendable : Schmapps does not assume you are. **What you get for free** - Your daily amount, recalculated as you go - Unlimited spending entries - Upcoming bills with the money reserved - A savings buffer you want left alone - A morning reminder - Light, dark and system themes **Spendable : Schmapps Pro** - one payment, no subscription - Recurring bills that carry forward every week, fortnight or month - Can I afford this? Try a purchase and see what it does to the rest of your cycle before you make it - An estimate of what will be left at payday - Simple, local insights about how the cycle is going - Every past pay cycle - Face ID, Touch ID or fingerprint lock - Backup, restore and CSV export - Custom pay schedules, allowance weighting and your own categories - Seven extra themes No subscription. No analytics. Pro removes every ad. Spendable : Schmapps provides calculations based on information you enter. It does not provide financial advice and cannot know about transactions or obligations you have not entered.