A simple budget app: one number before payday
Most budget apps ask you to sort every purchase into a category. Forgenta starts with one number instead: what is safe to spend until payday.
Set it up in three steps
- Pay. Enter what you earn and how often you are paid.
- Checking balance. Link your bank or type the balance in. Your first bank connection is free.
- Bills. Add the bills that repeat.
Safe to Spend then shows the lowest your account will reach before payday, after every bill, minus your cash floor.
Everything else is there when you want it
- Safe to Spend until payday. The lowest your checking balance will reach before payday, after every bill, minus the cash floor you set. Pending card swipes count.
- Forecast. A month-by-month projection of income, bills, debt payments and savings.
- Debt payoff. Avalanche or snowball order, a debt-free date, and how much sooner an extra payment gets you there.
- Which Card? Which card to use for a purchase.
- A bill calendar, savings goals, a car fund and budget sharing with a partner.
Start free · Try the demo, no sign-up
Frequently asked questions
What is the simplest way to budget?
Know the lowest your checking account will reach before payday, after your bills, and spend below it. Forgenta works that number out for you.
Do I have to categorize every transaction?
No. Safe to Spend needs your pay, your checking balance and your bills.
Can I use it without linking a bank?
Yes. You can type balances in by hand.