Every paycheck, bill, and card payment on one timeline. Watch your balance travel through the next weeks and months, and know what's safe to spend today.
Checking Account
You have money that's NOT spoken for!
Your balance never goes negative. You can safely spend $659 right now.
It says $2,431. It doesn't mention the $1,200 in rent due Friday, the $89 streaming bundle you forgot about, or the credit card auto-pay that hits Tuesday.
SpokenFor.money tells you what's safe to spend right now.
We project your balance through every upcoming bill and find your lowest point. Whatever's above it is yours. Spend it on whatever, we don't do budgets or guilt.
No tracking chores. No categories homework. Just your future, laid out in front of you.
The forecast is a timeline of everything scheduled: paychecks landing, rent leaving, the card payment being set aside, with your running balance next to every line. Scroll forward and you're reading next month's bank statement today.
The lowest point gets flagged, upcoming card payments are reserved before they're due, and everything above the Today line has already been confirmed against your bank.
The forecast timeline: every scheduled transaction with your balance beside it.
Three steps to a number you can trust. Then it maintains itself.
Type in what you have today, or link your bank read-only and let it fill itself in. Your choice, both work.
Paychecks, rent, subscriptions, card payments: the scheduled stuff. Everyday spending stays out of it. No receipts, ever.
We forecast every upcoming bill, find your lowest point, and show what's truly available. Anything above it is yours.
Most money apps audit your past. This one guards your future.
A timeline of every scheduled transaction with your running balance beside it, out to five years. The lowest point is marked, so you know exactly how much cushion is real.
Tell it your statement dates once. Every card payment is reserved on your checking account before it's due, split by statement cycle, so the card never ambushes you.
Link your bank read-only and transactions confirm themselves. You review and approve in one tap; nothing changes your numbers without you.
If rent's date passes and no matching payment shows up at your bank, the next review flags it before the late fee does. Autopay fails more than anyone admits.
We don't track your coffee or judge your takeout. Keep everyday money separate and spend it freely: the forecast guards the account that pays your bills.
Your number is built from your bank's own records on every sync, and re-checked straight against the source on a monthly checkpoint. Trust is the whole point.
That's the only question your money app should answer fast. Just: can I afford this, yes or no.
The setup behind SpokenFor is simple: your money lives in two accounts with two different jobs.
Paycheck lands here. Rent, subscriptions, and card payments leave here on schedule. Every dollar in it is spoken for, and the forecast has one job: this account never fails.
Groceries, gas, dining out: it all comes from here, like cash in your pocket. No tracking, no categories, no judgment. If there's money in it, it's yours to spend.
Most money apps want to see every account you own. SpokenFor only needs the boring one, so your everyday spending stays private, even from us.
Linking your bank is always optional. Stay fully manual if you prefer: type a balance, and everything works. When you do link an account, the connection is read-only and handled by Stripe, the same company trusted with payments by millions of businesses. We never see your login, we can never move money, and we never sell data. And you only ever link your bills account; your everyday spending never enters the app at all.
And synced or not, one rule never changes: nothing edits your numbers without your approval. Bank data arrives as a proposal; you confirm it in one tap.
The free plan is the forecast, by hand. The paid plan maintains itself.
Every new account starts with 14 days of everything, bank syncing included. No credit card. When it ends, you keep the free plan and all your data.
no credit card, no expiration
billed annually as $72 (save $12 a year), or $7 month to month
Cancel anytime. You land back on Free, never on a locked screen.
One avoided overdraft fee pays for five months.
Know what's spoken for. Spend the rest however you want.
Free forever. No credit card. Your data is yours.