For weekly pay, self-employment, or variable income
Stop Overspending -
Make Wiser Spending Choices!
SpendWisely shows your Future Balance before you commit, helping you see the impact and avoid overspending!
Forecast Overview
Projected balance / Current
Today's projected balance
£1,089.33
Includes income and commitments
Balance last updated
2nd Jun 2026
£615.37
7 day outlook
End of period
15 Jun 2026
Projected balance
£1,265.41
Weekly flexible spend plan applied every day: £51.43/day · £360.00/wk
Maintaining the account — £4.00
Last data
Problem
When income is irregular, guessing becomes expensive!
You look at todays bank balance, think you have enough, spend it, then later realise upcoming bills or commitments were already waiting to come out.
Your balance hides the squeeze
Today's bank balance does not show rent, bills, or Pay-in-3 still to land. The tight point is often mid-week — long before the next payday.
Monthly apps miss weekly pay
Most budgeting tools assume a salary on the 1st. If you are paid weekly or on variable hours, their left-to-spend logic breaks down fast.
Connected apps want your bank login
Open Banking works for many people — but if you want a forecast without handing over account access, the options thin out quickly.
Solution
Know when it's safe to spend and when it's not!
SpendWisely helps people with irregular income make better spending decisions — so you know when to hold back and prevent money worries.
30-day forecast line
See where your balance is heading — day by day — with bills, income, and commitments already mapped out.
Spending Impact
Add a purchase or Pay-in-3 before you commit and watch the low point move. Decide with the dip in view, not in hindsight.
No bank login required
Email-only sign-up and manual entry. You keep control of what goes in — we turn it into a best-estimate plan for the next 30 days.
Editable income & alerts
Shift expected income when a client pays late or overtime lands. Overdraft-aware alerts and daily forecast emails keep the plan current.
How it works
From sign-up to seeing your future bank balance in minutes
1. Sign up with email
No bank login, no address — just your email. SpendWisely stays manual-only so you control what goes in.
2. Add balance, income & bills
Enter your current balance, pay schedule, and regular commitments. Weekly, fortnightly, and one-off items all fit.
3. See the next 30 days
Your forecast line shows the squeeze points. Use Spending Impact before spending, and let daily emails keep the plan fresh.
Pricing
Start free, upgrade when you need more control
Free
£0/ month
billed monthly
- One account
- 30-day forecast
- Commitments & editable income
- Spending Impact preview
- Overdraft line
- Basic forecast emails
Get started
Everything you need to see your next 30 days clearly
Pro
£4.99/ month
billed monthly
- Multiple saved scenarios
- Flexible-payment templates
- Deeper forecast history
- Advanced alerts
- Priority email insights
- Exports
Start free trial
More control when your income and bills rarely line up
Take control today
See the dip before you spend. Start free — no bank connection required.