How Safe to Spend is calculated.
Five things come out first. What is left is yours. Here is each step, in the order Upino takes them.
Safe to Spend starts from the money you have available and removes everything that already has a job. Each step is deterministic: the same inputs always give the same number, and you can see every line that went into it.
1. Obligations €1,640
Rent, loan payments, utilities and anything else with a due date and a fixed amount. Upino protects the full amount until it is paid, not only the part that is due this week.
2. Essentials €920
Groceries, transport and the other costs you cannot skip. These vary, so Upino uses what you have actually spent on them recently, rather than a target you set once and forgot.
3. Yearly costs €410
Insurance, a car tax, a membership that renews in March. Upino sets aside a share every month, so the bill is fully covered by the time it arrives.
4. Goals you marked as hard €380
A goal you said must happen, like a deposit or an emergency fund, gets its monthly amount before anything is called spendable. Soft goals do not; they share in what is left.
5. Other protected money €186
Anything else you chose to keep out of reach, such as a buffer, or money you are holding for someone else.
What is left €1,284
€4,820 minus €3,536 is €1,284. That is Safe to Spend, shown with the number of days it has to last until your next income. In this example, twelve.
When something changes, the number changes with it. Pay a bill early, move money to a goal or log a purchase, and every figure that depends on it updates at once. Tap the figure in the app and you will see this same list, with your own numbers.