Means: Safe to Spend

Means answers the only money question that matters day to day: what's actually safe to spend right now?

Connect your bank in seconds and Means does the rest. It reads your income, sets aside what's owed for bills and the goals you care about, and shows you one honest number — your safe-to-spend — on a calm home screen that updates on its own. No spreadsheets, no envelopes, no guilt.

WHY MEANS
• One honest number. Not a dozen charts — the amount that's genuinely yours to spend today.
• It works on its own. Link your accounts once and spending shows up automatically.
• Bills, handled. Means learns your recurring bills and quietly protects that money.
• Goals that stick. Set money aside for what matters and watch safe-to-spend adjust.
• Every number opens. Tap any figure to see the exact transactions behind it.
• Calm by design. A quiet, warm interface that respects your attention.

MEMBERSHIP
The budgeting is free, and always will be.
• Free — the full budgeting toolkit: your daily safe-to-spend, rollover, set-asides and a savings goal. You add spending by hand. 10 AI questions a month.
• Plus — connect up to 10 banks so your spending appears on its own, plus 200 AI questions a month.
• Pro — up to 20 banks and 1,000 AI questions a month.

SUBSCRIPTION DETAILS
Means Plus — $7.99 per month, or $59.99 per year (billed once a year).
Means Pro — $14.99 per month, or $99.99 per year (billed once a year).
Both include a 7-day free trial for new subscribers.

Connecting a bank, so your spending appears automatically, is part of Means Plus and Means Pro. Without a subscription you can add spending by hand and ask 10 AI questions a month, free forever.

Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews automatically for the same period at the same price unless you turn off auto-renew at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the end of the current period. Manage your subscription or turn off auto-renew in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you purchase a subscription. Prices are in USD; prices in other regions may vary.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Means Terms of Service: https://api.means.finance/terms
Privacy Policy: https://api.means.finance/privacy

PRIVATE BY DESIGN
Your bank connection is handled by Plaid, a trusted bank-grade provider, and is read-only — Means can see transactions and balances, and can never move money. Your data is encrypted, never sold and never used for advertising. Means is paid for by memberships, not by you.

Support: https://api.means.finance/support