How is safe to spend worked out?

Your spending money, minus the bills and subscriptions still due before the end of the month. Savings accounts are left out.

Is the forecast included?

Yes. Safe to spend, the month-end chart, the six month forecast and its scenarios are all in the plan.

It shows exactly what it used: your starting balance, your scheduled payments, your daily spending rate and how many months that rate came from. There is no invented confidence figure.

What if a bill cannot be priced?

If an exchange rate is missing, the card says so rather than quietly leaving the bill out.

The day before payday.

Your balance bottoms out at $4,862.

Every month, your balance is at its lowest the day before payday. One of the coming months dips lower than the rest, and it is the only one that ends with less than it started with.

Now you know in advance, not on the day.

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The months ahead

October

Lowest $5,289 on 24 Oct

$10,372

+$4,321

November

Lowest $4,862 on 24 Nov

$10,114

-$258

December

Lowest $5,318 on 24 Dec

$10,402

+$288

When do you actually look at it?

Glance at your phone before a big purchase. Open the month-by-month table on the laptop when you are planning.

The forecast in MintValt on the web: the balance carried forward day by day for six months, and each month with its opening, change, lowest point and closing.

The forecast in the MintValt app: each month ahead with where it ends and its lowest day.

Before you believe the number.

Where it comes from, and what it leaves out.

Safe to spend: $12,221.00 to the end of the month, after $180.00 of bills still due and $700.00 to savings.

How is safe to spend worked out?: Your spending money, minus the bills and subscriptions still due before the end of the month. Savings accounts are left out.
Is the forecast included?: Yes. Safe to spend, the month-end chart, the six month forecast and its scenarios are all in the plan.
How accurate is it?: It shows exactly what it used: your starting balance, your scheduled payments, your daily spending rate and how many months that rate came from. There is no invented confidence figure.
What if a bill cannot be priced?: If an exchange rate is missing, the card says so rather than quietly leaving the bill out.

The other days it earns its keep.

Before you cancel the gym.What if you cancelled the gym? You would keep $312.What-if scenarios Three days before it renews.Your recurring payments are flagged three days early.Recurring payments

Know how low your balance will get, before it happens.

Upload a statement, and see your lowest day coming before you reach it. Get in line now, and start the day your invite arrives.

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