Find out how much of the money sitting in your account is actually available after bills, essentials, savings, debt commitments and your safety buffer.
Some of that money already belongs to rent, utilities, groceries, gas, savings, debt payments and the buffer you promised yourself you wouldn't touch.
That one distinction can completely change the next spending decision.
RealSpend isn't about tracking every coffee. It's about protecting what matters first, then seeing what's left.
Enter what's currently available in your account.
Account for bills, essentials, savings, debt commitments and your safety buffer.
What's left is the amount you can evaluate before making your next purchase.
Use the worksheet before your next purchase or as a quick payday reset. You'll calculate your RealSpend Number and a simple daily spending pace until payday.
GET MY FREE REALSPEND CHECK
Get the free 5-Minute RealSpend Check delivered to your inbox.
GET MY FREE REALSPEND CHECKNo. The free RealSpend Check is completed manually.
No. It's designed to answer one practical question: how much of your current balance is actually available to spend?
About five minutes once you know the bills and essentials due before your next payday.
No. RealSpend is a personal budgeting and educational tool and does not provide individualized financial advice.