Know Exactly What You Can Spend 💰
Take the guesswork out of your finances with Safe-to-Spend, showing you exactly how much money you can spend right now.
Simple Math, Powerful Results
Total Balance
Starts with your actual bank balance
Subtract Slices
Removes money allocated to bills, goals, and expenses
Safe Amount
Shows what's truly available to spend
Real-Time Updates
Adjusts instantly with every transaction
The formula: Bank Balance - Allocated to Slices = Safe to Spend
How Safe-to-Spend Works
Real-Time Balance
Automatically calculates your true available balance, updated instantly as you spend and receive money
Traffic Light Integration
Works with our visual system - when Safe-to-Spend drops below thresholds, your light changes color
Slice-Aware
Factors in money already allocated to specific slices, keeping your budget goals on track
Smart Calculation
Total balance minus allocated slices equals what's truly safe to spend - no mental math needed
Inspired by Simple Bank
Remember Simple Bank's "Safe-to-Spend"? We loved it too. When Simple shut down, we knew this feature was too valuable to lose.
Cake Budget brings back that instant clarity about your spending power, enhanced with our traffic light system for even faster decisions.
Designed for Neurodivergent Minds
Reduces Cognitive Load
Eliminates mental math and complex calculations, making financial decisions easier
Executive Function Support
Prevents accidental overspending during executive function challenges
Anxiety Relief
Alleviates financial anxiety by providing certainty about your spending power
Updates as Fast as Your Bank
Unlike other apps that update once a day, Cake Budget uses real-time webhooks to sync throughout the day. Your Safe-to-Spend updates as soon as your bank shares new transactions with Plaid.
❌ Other Apps
- • Daily batch updates at midnight
- • Yesterday's balance
- • Manual refresh needed
- • Decisions based on old data
✅ Cake Budget
- • Webhook updates throughout the day
- • Fresh data when your bank provides it
- • Automatic sync, no refresh needed
- • Most current info available
Note: Update frequency depends on how often your bank sends data to Plaid. Most banks update multiple times per day.
Available on All Paid Plans
Budget Pro
$10/month
Family
$20/month
Safe-to-Spend is core to the Cake Budget experience. Both Pro and Family plans include:
- Real-time Safe-to-Spend calculations
- Instant webhook updates
- Traffic light integration
- Multiple account support
Ready to know exactly what you can spend?
Join thousands who've eliminated the guesswork from their spending decisions.
30-day free trial • No credit card required • Real-time sync included