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Safe-to-spend is the amount you can spend without missing bills or dipping below your safety buffer. MoneySplit calculates it as:

Income − Bills − Buffer = Safe to Spend

It updates automatically as you log spending and mark bills as paid.

Daily mode divides your remaining safe-to-spend by the days left in the month, giving you a daily spending budget. Monthly mode shows your total remaining safe-to-spend for the entire month. Choose Daily if you want day-by-day guidance, or Monthly for a big-picture view.

Go to Profile > Income Type to choose your income style:

• Steady income: Enter your pay amount and how often you're paid (weekly, biweekly, semimonthly, or monthly). The app converts it to a monthly figure.

• Variable income: Enter your earnings for the last 3 or more months. The app averages them to estimate your monthly income.

Tap the + button on the Bills tab, or use the "Add bill" quick action on the Dashboard. Enter the bill name, amount, frequency (weekly, monthly, or annual), and due date.

A bill is marked as overdue when its due date has passed and it hasn't been marked as Paid or Skipped. Overdue bills are deducted from your safe-to-spend amount until you resolve them.

Swipe left on any bill in the Overdue or Upcoming list. You'll see options to mark it as Paid, Skip it, or Delete it.

Free users can track up to 10 bills. If you need more, upgrade to MoneySplit Pro for unlimited bill tracking.

Tap the + button on the Spending tab, or use the "Add spend" quick action on the Dashboard. Enter the amount, pick a category, and optionally add a note and date.

Free users can view the last 30 days of spending history. Upgrade to MoneySplit Pro to access your complete spending history.

Swipe left on any spending entry to delete it. To edit, tap the entry to view its details and make changes.

The safety buffer (also called buffer floor) is a minimum amount you want to keep untouched each month. Your safe-to-spend calculation will never recommend spending into your buffer. Set it in Profile > Buffer Floor.

Your safe-to-spend is calculated as:

Monthly Income − Bills Due This Month − Spending This Month − Buffer Floor = Safe to Spend

If you have overdue bills, those are also deducted. The result is never negative — it shows zero if you've exceeded your budget.

MoneySplit Pro unlocks:

• Unlimited bill tracking (free tier: 10 bills)
• Full spending history (free tier: 30 days)
• Spending trends & charts
• Data export (CSV)
• Multi-currency support
• Debt-to-income (DTI) calculator

Tap "Upgrade to MoneySplit Pro" on any locked feature, or go to Profile and tap the upgrade option. You can choose a monthly or yearly plan; the current price for your region is shown on the upgrade screen.

Go to Settings > Apple ID > Subscriptions on your device and select MoneySplit. MoneySplit cannot cancel subscriptions directly — all billing is managed through Apple. You'll keep access until the end of your current billing period.

Open the upgrade screen and tap "Restore Purchases" at the bottom. This will check your Apple ID for any existing MoneySplit Pro subscription and restore it.

Go to Profile > Currency and select your preferred currency. All amounts throughout the app will display in your chosen currency. Your data is stored in USD internally and converted for display using current exchange rates.

Go to Profile > Account & Security > Delete Account. This will permanently remove your account and all associated data from our servers. This action cannot be undone.

Yes. All data is encrypted in transit using HTTPS/TLS. Your data is stored with row-level security, meaning each user can only access their own records. Passwords are securely hashed and never stored in plaintext.