Smart Spending Decisions

Before you buy,
know if you should.

Enter the price, your savings, and income — get an instant verdict on whether the purchase makes sense for your financial situation.

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.
Ready to spend smarter?
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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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Should I Buy It?
Smart Spending Decisions
🔥0
✦
💡 New: Just describe what you want to buy in plain English — or tap 🎤 to speak it. We'll fill the form for you.
Purchase Analysis
Tell me about the item
$
$
$0
Remaining
—
% of Savings
—
Weeks to Recover
—
Emergency Runway
—
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
$