Safe to Spend, calculated from real life

Your bank balance lies. It shows money that's already promised to rent, subscriptions and upcoming bills. Safe to Spend is what's actually yours to use today — recalculated as your month unfolds.

KRONO looks at your current balance, subtracts upcoming fixed costs and known subscription charges before your next payday, and protects your monthly savings target. What remains is the number you can spend without breaking anything.

You see it as a single figure on your Home Screen widget and as a daily allowance so you know if today's coffee-and-lunch plan is realistic.

Bank apps show a raw balance. That number treats today's paycheck the same as money reserved for tomorrow's rent. Safe to Spend removes commitments first, then shows the truth.

The result: fewer end-of-month surprises, fewer overdrafts, and a clearer sense of whether that unplanned purchase is fine or a bad idea.

First, pull the live balance from your connected accounts via Open Banking. Second, subtract every recurring bill and subscription scheduled before your next income date. Third, reserve the remainder of your monthly savings goal. Finally, divide what's left across the days until payday.

The math runs on your device — nothing is sent to Krono's servers.

It's the 14th. Your balance is €1,850. Rent (€900), electricity (€60) and three subscriptions (€35) are due before your next salary on the 27th. Your savings target still needs €150. Safe to Spend = €705, or roughly €54 per day.

Spend €80 tomorrow and the daily figure adjusts — you can see the impact before you decide.

Does Safe to Spend include upcoming credit-card bills? Yes, when your card is connected via Open Banking. KRONO reserves the expected statement amount so you're not caught out at month end.

What if I get paid weekly, not monthly? KRONO detects your pay cycle from bank transactions and adjusts the horizon automatically.

Is Safe to Spend available as a widget? Yes. Add the KRONO widget to your iPhone Home Screen or lock screen and check it without opening the app.