Smart Spending Decisions

Stop guessing.
Start knowing.

Get a green, yellow, or red verdict on any purchase — before you open your wallet. No bank account needed. Free forever.

Live example — AirPods Pro · $249 · $1,200 savings
All Clear
This is a smart purchase
You're spending 20% of savings and will recover it in ~2.5 weeks. $951 stays untouched — a healthy cushion.
$951
Remaining
20%
Of Savings
2.5w
To Recover
4.8w
Emergency Runway
Everything you need to spend smarter
Purchase Analyzer
Get a green, yellow, or red verdict instantly. See exactly how long recovery takes and what percentage of your savings is at risk.
Savings Goals
Set targets for what you're saving toward. Track progress, add funds, and see how many weeks until you get there.
Spending History
Every decision you save is logged with charts. See your spending patterns by category over time.
Smart Advisor
Ask any money question and get advice tailored to your actual numbers — not generic tips.
Markets
Track live stocks and crypto with your own Buy, Neutral, or Don't Buy verdict on each asset.
Bill Tracker
Add your recurring bills and see exactly what's left after expenses each week based on your income.
Financial Education
8 plain-English lessons on taxes, investing, credit, and more — things school never taught you. Each with real examples and a quiz.
What makes us different
Most apps track what you already spent.
We stop you before you do.
Think To Buy is the only app built around the moment that actually matters — the second before you open your wallet.
Only us
Pre-purchase, not post-purchase
Mint, YNAB, and Copilot all analyze money you've already spent. Think To Buy works before you buy — giving you a verdict while you can still say no.
Only us
No bank account required
Every competitor asks to link your bank. We never touch your accounts — just type in the numbers. Your financial data stays on your device.
Only us
Opportunity cost built in
We show you what that money becomes in 10 years if invested instead. Not just "you have $X left" — but what you're actually giving up.
Only us
Built for people without a salary
YNAB costs $99/year and assumes a full income. Think To Buy is free forever and works whether you make $50 a week or $5,000.
Feature Think To Buy Mint YNAB PocketGuard
Pre-purchase verdict ✓ — — —
No bank link needed ✓ — — —
Opportunity cost calculator ✓ — — —
Voice + natural language input ✓ — — —
AI financial advisor ✓ — — —
Free forever ✓ ✓ $99/yr $8/mo
Ready to spend smarter?
Free forever. Your data syncs across all your devices.
Think To Buy  ·  Created by Aarav Aprameyan  ·  San Jose, CA  ·  Free forever
Smart Spending Decisions
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More Tools
≈
Loan Calculator
See the true cost of financing
↗
Net Worth Tracker
Assets minus debts
◆
Spending Streak
Your "Don't Buy" streak
▤
Tutorial
Replay the getting started guide
⊙
Settings
Currency, thresholds, theme
✦
AI Advisor Setup
Add your free Gemini API key
→
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Meet the Creator
A
Aarav Aprameyan
8th Grade · San Jose, CA
Built Think To Buy to help people make smarter spending decisions before they open their wallet.
GitHub Dev.to
Quick question
$
Should I Buy It?
Smart Spending Decisions
0
✦
New: Just describe what you want to buy in plain English — or tap the mic to speak it. We'll fill the form for you.
Purchase Analysis
Tell me about the item
$
$
$0
Leave at 0 to skip — unlocks recovery time stats if filled in.
Paying with (optional)
Remaining
—
% of Savings
—
Weeks to Recover
—
Emergency Runway
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Cost Per Day (1yr)
—
Invested in 10yrs
—
Savings Split
Recovery Timeline
How your score is calculated
Smart Buy
Under 15% of savings and recoverable in under 3 weeks of income. You can comfortably afford it.
Think Twice
15–70% of savings or 3–6 weeks to recover. Possible, but worth pausing and planning first.
Don't Buy
Over 70% of savings or 6+ weeks to recover. This would leave your finances dangerously thin.
QUICK TIPS
Savings Goals
Track what you're saving for
$
$
—
No goals yet.
Add your first savings goal above.
New — Spending Dashboard: See how much you've saved by saying no, how your spending compares to the 50/30/20 rule, and your smart vs risky decision breakdown.
—
No history yet.
Analyze purchases and save them to see your spending dashboard.
Smart Advisor
Ask me anything about money

Get personalized advice based on your numbers — budgeting, opportunity cost, saving strategies, and more.

Quick questions
Should I buy it?
Opportunity cost
Safe spend %
Credit advice
50/30/20 rule
Emergency fund
Save faster
Want vs need
Should I wait?
DID YOU KNOW
Your Financial Snapshot
→Add your savings, income and make a few purchases to unlock personalised insights about your financial health.
%
Pay yourself first
Move money to savings the moment you get paid — before spending anything. You can't miss what you never see.
⏳
Time beats timing
Starting to save early matters more than saving the "right" amount. Compound interest rewards patience above all else.
◉
Emergency fund first
Before investing or big purchases, build 3–6 months of expenses as a buffer. It's the foundation everything else rests on.
↺
Automate everything
Willpower is unreliable. Automatic transfers to savings and investment accounts remove the decision — and the temptation.
MARKET MOOD
Cautious
BEST STRATEGY
Index funds, long term
GOLDEN RULE
Never invest what you can't lose
Markets
Stocks & Crypto

Live charts powered by TradingView. Set your own verdict for each asset — just tap the badge to change it.

For crypto, select "Crypto" — e.g. BTC, ETH, SOL

Bill Tracker
Your recurring expenses

Add your monthly bills to see what's left after expenses each week.

$
—
No bills yet.
Add your recurring expenses above.
New — Financial Education: 8 plain-English lessons on things school never taught you. Each has a real example and a quiz to test yourself.
Financial Education
Things school never taught you

Plain English explanations of how money actually works — taxes, interest, investing, and more.

Side-by-Side Comparison
Compare two purchases

Enter two items you're deciding between and see which makes more financial sense.

Item A
$
VS
Item B
$
Wishlist Heat Map
What can you actually afford?

Add items you're considering buying. The app stacks them against your budget and tells you which combinations make financial sense.

Item
$