My FinancialPanorama
Now · safe to spend

One number: what you can spend before payday.

Panorama takes what is in your accounts, subtracts every bill, loan and card payment that leaves before your next paycheck lands, and shows you the lowest point in between. That low point is what is safe to spend.

What it answersStandard

Now

  • The water line for the next weeks, drawn day by day: every bill a drop, every pay a rise.
  • Bills that vary are drawn at the amount the history supports, and labelled as a forecast.
  • A paycheck that varies counts when it lands, not before.
  • Tap the figure to see every row that made it.

Reserve Standard

Drawn on an invented household — Rhys and Tess Okafor-Hale and Tess's Okafor Studio LLC. Every name and figure is made up.

Is this a budget?

No. A budget asks you to plan and then keep to it. Safe to spend is worked out from what is actually in your accounts and what is actually due — there is nothing to keep up.

What if a bill is late or missing?

It shows up in Needs you with what it usually costs and when it usually lands, so you can say whether it is still coming.

Next: Coming →

See your own.

Thirty days free when your account opens, no card.