Safe to spend
One honest number. See exactly what's flexible to spend before your next payday — after bills, after spending. No mental math, no nasty surprises.
Built for the cost-of-living squeeze
Know if your income can keep up with the life you live.
You earn well — so why does every year feel tighter? AFFORD shows what your lifestyle really costs, how rising prices affect you specifically, and exactly what's safe to spend before payday. No spreadsheets. No budgeting guilt.
Free to startNo bank login requiredMade in Australia
Home
Am I financially okay, and is my income keeping up?
SAFE TO SPEND UNTIL PAYDAY
$0
Flexible money left after this month's spending and bills.
Days until payday
7 days
Safe per day
$168
Pressure next year
−$212 / mo
For professionals, couples & families who feel life getting harder to afford
What AFFORD does
Three clear answers, instead of a spreadsheet full of questions.
Life Cost
What your lifestyle costs to maintain — and where flexible money goes. Log spending in seconds without budgeting homework.
Pressure
See the squeeze coming. AFFORD projects how rising living costs reshape your flexibility a year out — using real inflation data, tuned to your life.
The AFFORD difference
Most apps show you the past. AFFORD shows you what's coming.
Budgeting apps tally what you already spent. AFFORD's Pressure uses official Australian inflation data to project how the rising cost of housing, transport, food and more will reshape your monthly flexibility over the year ahead — so you can adjust before it bites.
ABS CPI
Real, official data
Per category
Not a vague average
12 months
Ahead, at a glance
Change in financial flexibility
−$212 / mo
Projected a year from now, at expected inflation
Now12 months
How it works
Set up once. Understood in minutes.
Step 1
Set your pay
Tell AFFORD what lands in your account and when you're paid. Takes about a minute — no bank connection needed.
Step 2
Log as you go
Add expenses in a tap. AFFORD keeps the running math so you always know where you stand — no receipts to wrangle.
Step 3
See what's safe
Open AFFORD any time for one honest number — what you can spend before payday — plus where you're heading next year.
Your money is nobody's business but yours.
AFFORD never asks for your bank login and never connects to your accounts. Everything you enter is encrypted and isolated to your account alone — it is never sold, never shared, and never used for advertising. Full stop.
Questions
Good to know
See what your life really costs — and what's safe to spend.
Free to start. No bank login. About a minute to set up.