Available Margin
The lowest projected checking balance over your next 90 days. One number for how much room you have before cash gets tight.
Cash confidence for checking accounts
Know if you're financially okay.
SimplBudget looks ahead at your checking account — income, bills, and recurring obligations — and shows your Available Margin: the lowest balance your forecast expects over the next 90 days.
Coming soon on iPhone
Bank connections powered by Plaid. No spreadsheets. No category budgeting.
See where your money is headed
Home, Planning, Activity, and Ask — built around projected cash, not expense categories.
Home
Available Margin
$2,713
Lowest projected balance · 90 days
Financial Standing
Healthy
Scheduled debt payments
$2,827
Cash Forecast
Available Margin, Financial Standing, scheduled obligations, and your Cash Forecast — on one Home screen.
Planning
What happens if I spend $250 next Friday?
Available Margin today$2,713
After this purchase$2,463
This purchase fits within your projected outlook.
What-if scenarios
Funding Plans
Preview purchases and savings goals against your real projected cash — before you commit.
Activity
Direct deposit+$2,400
Rent−$1,450
Auto loan−$600
Streaming−$16
Savings transfer−$200
Clear classifications that feed your forecast — without internal scores or jargon.
Review the income, bills, and transfers behind your 90-day outlook.
Ask SimplBudget
Am I financially okay?
Can I afford this purchase?
What is affecting my Available Margin?
Your Available Margin is $2,713 — the lowest your checking balance is projected to reach over the next 90 days.
Ask plain-language questions and get answers grounded in your projected cash flow.
Built for cash confidence
Understand what you can do next — without managing a traditional budget.
Financial Standing
See whether you're Healthy, Watch, or At Risk — with guidance based on your projected cash, not yesterday's spending.
Forward-looking forecast
A clear 90-day outlook that combines expected income, recurring obligations, and everyday spending patterns.
Automatic obligations
Recurring bills, subscriptions, and scheduled debt payments are detected from your linked activity — so you don't rebuild a budget every month.
Planning & Funding Plans
Ask “what if?” for a purchase, or plan a goal per paycheck — without creating future cash shortages in your outlook.
Ask SimplBudget
Ask “Am I financially okay?” or “Can I afford this?” and get answers from your projected cash flow — clearly labeled as estimates.
Who it's for
People who want clarity about next month — not another spreadsheet.
Busy households
Paychecks, rent, loans, and school payments land on different dates. You need the trough, not a category pie chart.
Anyone tired of budgeting
If traditional budgets feel like homework, SimplBudget focuses on whether your checking account stays okay.
Decision-makers mid-month
Before a trip, a gift, or a big purchase — see how it lands against Available Margin.
What makes SimplBudget different
Forward-looking clarity — not category tracking.
Instead of…
- Budgeting and tracking categories
- Envelopes and spreadsheets
- Telling you what you already spent
- Manual planning every month
SimplBudget…
- Projects your checking cash over 90 days
- Surfaces Available Margin automatically
- Detects recurring obligations from your activity
- Helps you decide what you can safely do next
No budgeting. No envelopes. No spreadsheets.
How it works
Three steps to knowing if you're financially okay.
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1
Connect your accounts
Securely link checking accounts with Plaid — or enter balances manually if you prefer.
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2
We build your 90-day outlook
- Expected income
- Recurring bills and subscriptions
- Scheduled debt payments
- Everyday spending patterns
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3
See your financial outlook
- Available Margin
- Financial Standing
- Cash Forecast
- Planning, Funding Plans, and Ask
Built with privacy in mind
Bank connections are powered by Plaid. SimplBudget never stores your online banking credentials. Data is used to generate your projected cash outlook and in-app guidance — not sold as a product. Read our Privacy Policy and Terms of Service.
Questions, answered
Straightforward answers for first-time visitors.
What is Available Margin?
Available Margin is the lowest projected checking balance over the next 90 days. It is an estimate based on your linked activity and detected patterns — not a guarantee.
Is this a budgeting app?
No. SimplBudget does not ask you to assign every purchase to a category. It focuses on whether your checking account stays okay as bills and income land.
How do bank connections work?
Connections use Plaid. You authenticate with your institution through Plaid’s secure flow. SimplBudget does not see or store your bank username or password.
When will it be available?
SimplBudget is coming soon on iPhone. Join the waitlist and we’ll email you when access opens.
Is this financial advice?
No. SimplBudget provides informational estimates only. Always review your own finances before making spending decisions.