SafeSpend: Safe to Spend

SafeSpend is a subscription app for understanding what you can actually spend today.

New users start with a 14-day free trial through Apple In-App Purchase. SafeSpend Pro is required to continue using the app after the trial. You will not be charged during the free trial, and you can cancel anytime in iOS Settings before the trial ends.

SafeSpend turns your bank balances, credit card dues, EMI plans, loans, and upcoming payments into one honest number: your Safe to Spend amount.

SAFESPEND PRO INCLUDES

* Unlimited credit cards, bank accounts, and loans
* AI statement extraction from supported PDFs
* Unlimited transactions
* Reports and spending history
* CSV and PDF export
* Advanced insights and spending analysis
* Savings goals and category budgets
* Investment tracking
* Multi-currency totals
* Safe-to-Spend calculation
* Bill and payment reminders

SAFE TO SPEND

SafeSpend does not show a sugar-coated "available credit" number. It looks at your card limits, current debt, EMI plans, upcoming dues, and available cash to estimate what is actually safe to spend.

For example, if your card says AED 15,000 is available, but you already have AED 8,000 in EMI plans and only AED 4,000 across your bank accounts, SafeSpend helps you see that AED 4,000 is the safer spending limit.

TRUE BALANCE

SafeSpend shows your overall position across bank accounts, credit cards, loans, EMI plans, goals, budgets, and investments, so you can understand whether you are moving forward or falling behind.

COST OF PROCRASTINATION

If you pay only the minimum on a credit card, SafeSpend helps show how long debt may last and how much interest it may cost, based on the details you enter.

DOUBLE-DIP ALERTS

Adding new retail spending on a card that already carries EMI debt can make debt harder to control. SafeSpend helps flag risky patterns before they become bigger problems.

MULTI-CURRENCY SUPPORT

Track accounts, cards, loans, and investments across different currencies, with totals shown in your home currency.

BUILT FOR THE UAE, USEFUL EVERYWHERE

SafeSpend is AED-native and designed around UAE banking patterns such as salary timing, card due dates, EMI plans, and payment cycles. You can still track cards, accounts, loans, and investments from other countries and currencies.

PRIVACY-FIRST

SafeSpend does not connect to your bank accounts and does not ask for your banking credentials. You stay in control of the information you add.

Optional Pro AI features ask for explicit in-app consent before sending the selected statement, receipt, pasted notes, chat message, relevant SafeSpend financial context, or PDF password for a locked PDF to Anthropic, PBC, SafeSpend's third-party AI provider. AI results are used only to prefill editable drafts or answer your chat request. Nothing from statement extraction/import is saved until you review and save it.

WHAT SAFESPEND IS NOT

* Not a credit-score tool
* Not a bank account connection app
* Not a buy-now-pay-later provider
* Not a lender

SAFESPEND PRO SUBSCRIPTION

SafeSpend Pro is required to continue using the app after the 14-day free trial.

* Monthly: AED 9/month after the 14-day free trial
* Yearly: AED 99/year after the 14-day free trial

Payment is charged to your Apple ID at confirmation of purchase. You will not be charged during the free trial. After the trial ends, the subscription automatically renews unless cancelled at least 24 hours before the end of the current period.

Your Apple ID may be charged for renewal within 24 hours before the end of the current period. You can manage or cancel your subscription anytime in iOS Settings -> Apple ID -> Subscriptions.

Any unused portion of a free trial may be forfeited when you purchase a subscription, where applicable.

Terms of Use: https://safespend.ae/terms
Privacy Policy: https://safespend.ae/privacy

SafeSpend is for people who want to stop guessing about their finances.