Safe to Spend — Daily Budget Tracker (Excel & Google Sheets)

Stop checking your bank balance out of fear.

Safe to Spend answers one question, instantly: how much can I actually spend today without running out before my next paycheck. Built by an 18-year banking and credit-risk professional.

WHAT'S INSIDE

- Settings — set your pay frequency, next payday, current balance, and a savings goal %

- Recurring Bills — set up rent, subscriptions, anything monthly, once — due dates roll forward on their own

- Upcoming Bills — for one-off costs: repairs, medical bills, anything that isn't recurring

- Daily Spending Log — log what you spend as it happens, with a running total

- Dashboard — does the math for you: bills, spending, buffer, and savings goal, all subtracted automatically, with a live chart showing exactly what's safe to spend

WHY IT'S DIFFERENT

Most budgeting tools are monthly. This one is daily — built for the feeling of not knowing if you can afford something right now, not next month.

YOU'LL WALK AWAY WITH

✓ A single number you can trust before you spend

✓ Bills that track themselves instead of needing monthly re-entry

✓ A savings goal that's protected automatically, not an afterthought

Instant download. Works in Excel, Google Sheets, and most spreadsheet apps. No subscriptions, no sign-up — yours to keep and edit forever.

Questions before you buy? Message me on WhatsApp — link on my Selar page.