Amppfy — Safe to Spend™

Amppfy Inc

In-app purchases

About this app

Amppfy answers the one question every household asks: what can we actually spend before payday?

ONE CLEAR NUMBER
Your bank balance isn't what's safe to spend, because rent hasn't come out yet. Amppfy takes the cash in your accounts, subtracts the bills due before your next paycheck, sets aside your planned savings and a safety cushion, and shows what's left: Safe-to-Spend™. The math is printed right under the number, every line one you entered.

ONE WORD FOR THE WEEK
Under the number, a short scale says how the days to payday look: comfortable, tight, or dips into cushion. Beside it, the date the number holds until and what that is a day. One glance, no guessing.

TEN MINUTES A WEEK KEEPS IT HONEST
The weekly check-in is four short steps: see where you stand, confirm the bills that are due (tap the circle to confirm, tap the bill to change it this time), settle anything flagged, and close the week. Forgot a bill or a paycheck? Add it right there. Three cards close the week, with your streak.

BUILT FOR TWO
Invite your partner with a link or a QR code. They sign in with their own login and land on the same number, the same bills, the same goals, updated the moment either of you changes something. Shared accounts show for both of you; private ones stay private, and that rule lives in the database, not just on the screen.

RUNS ON THE BALANCES YOU ENTER
Enter what's in your accounts, about thirty seconds each, and your number is ready. Updating a balance takes a tap, and the check-in reminds you when one is getting old. No bank login, and your data is never sold.

SEE THE MONTH, NOT JUST THE MOMENT
Budget shows where the month's money goes from the plan you already made: bills, savings, subscriptions and everything else, with a page per bill group, month by month. Calendar lays out every bill and payday on the full month grid, with the lowest point before payday marked. Net worth and Accounts show what you own and what you owe on the same clear rows.

A HEADS-UP, NEVER AN ALARM
A notification the day before a bill, when the dip before payday reaches your cushion, or when it's check-in day. Calm, on your terms, and easy to tune.

WHAT'S INSIDE
• Safe-to-Spend™, recalculated the moment anything changes, with every line of the math shown
• Bills: before payday, this month, subscriptions, all; due dates, auto-pay, who owns what
• Income: every paycheck on its schedule, so you always know when the next one lands
• Goals: an emergency fund or a trip, funded first like a bill, with a page each for Add money and Adjust
• Budget: the month in four parts, any month back, any bill group over time
• Calendar: your month at a glance, with the running balance under it
• Net worth and Accounts: checking, savings, cash and credit cards, each counted or not on your terms
• Household: members, what each person sees, and the settings that shape your number
• Home-screen widget: your number and how the week looks, with the next bills

ONE ACCOUNT, EVERYWHERE
Sign in with Google, Apple, or one email address. Everything stays in step between your phone and the web at app.amppfy.com, so the number you check in the checkout line is the number your partner sees at the kitchen table.

Free. No credit card required.

Finding your number takes about five minutes: enter your balances, your next payday and the bills due before it, and the receipt fills in as you go. Then invite your partner and pick a day for your first check-in.

What’s new

On the bills step you now pick each due date yourself: tap the purple chip under a bill and choose the day on your phone's calendar. Extra credit cards show a pencil, so you can name each one. The chips above the steps take you to the right step, and on Android the back button steps back through setup instead of leaving it. Behind the scenes: ad measurement for our TikTok campaigns.