For paid weekly and irregular income
See what's ahead, what's already spoken for and what you'll really have left — so you can spend with confidence!
Your money comes in weekly, but your bills don’t. Overspending between paydays, and you can be left short when commitments and BNPL arrive!
Most banking and budgeting apps assume a salary on the 1st. If you're paid weekly, self-employed, or on irregular income, keeping control of finances breaks down fast.
Budgeting on weekly pay →
Rent, bills, commitments and Pay-in-3 are difficult to keep track of, the squeeze only shows up after you've overspent!
How the 30-day forecast works →
Banks often don't take commitments or payments over the weekend. That overinflated figure can lull you into spending money you don't actually have.
Why weekend balances mislead →Your forecast graph shows where your money is heading, and the Spending Impact lets you see the consequences a large purchase will have. Whenever something doesn't make sense, your AI guide is there to help you understand it!
Forecast
Your SpendWisely forecast shows how your balance could rise and fall over the next 30 days — including income and upcoming commitments — so you can see the impact before you spend!
Tap a Date
Balance trail
31 Jul – 5 Aug
Selected
£1,401.54
AI Assistant
Don't understand a screen? Ask the SpendWisely AI Guide. When you sign up, it can enter your balance, income, and commitments for you!
Help & guidance
Your SpendWisely guide
SpendWisely guide
Hi! I'm your SpendWisely guide. Ask me about any feature or what you see in the app.
Spending Impact
Enter a planned purchase and SpendWisely shows how it hits your forecast — purchase day, end of month, and whether you'd cross your threshold or overdraft. Approve it, or walk away.
Preview a purchase before you buy →1 · Preview
Before you spend
Impact Preview
£750.00
New TV · 26 Aug 2026
Purchase day projected balance
£441.48
without this purchase · 26 Aug 2026
After: −£308.52
End of month balance
£477.66
after this purchase (cascaded from purchase day)
Currently forecasted (EOM): £1,227.66
2 · Forecast
New TV — £750.00 on 26 Aug 2026. From 26 Aug onward, each day carries that purchase forward.
Tap a date · balances include −£750.00 from 26 Aug
Balance trail
22 Aug – 30 Aug
Selected
−£308.52
Weekend banking
Banks don't take regular commitments over the weekend, which can leave an overinflated balance that lures you into spending more than you've got. SpendWisely easily manages this for you!
Why weekend balances mislead →Selected date
15 Aug 2026Still in your bank — spoken for
£4.00 in commitments is scheduled today but banks do not usually clear on a weekend. Please note your balance may look higher until they have cleared.
Total projected balance
£1,483.12
Commitments
Maintaining the account — monthly
Clears Mon 17 Aug
£4.00
Commitments & BNPL
SpendWisely makes commitments and BNPL easy to manage in one clear forecast. See what’s due, when it’s due and how it affects your money ahead — giving you more clarity and fewer financial worries!
Track Klarna & BNPL →View and manage your commitments.
| Description | Type | Amount | Category | |
|---|---|---|---|---|
| New Mattress | Recurring | £290.00 | Buy Now Pay Later | |
| HOME INSURANCE | Fixed | £825.00 | Insurance | |
| OURARING | Fixed | £5.99 | Lifestyle | |
| Energy Bill | Recurring | £149.02 | Household |
0 of 10 row(s) selected.
Slack & Notion
Keep your current workflow by connecting Slack and Notion for bank balance logging — without living inside another finance app all day.
Send thin, user-approved cash signals to Notion and Slack. SpendWisely stays the system of record.
Connected · SpendWisely_channel (pick a page)
Connected · SpendWisely (pick a channel)
Manage your daily spend
SpendWisely helps you manage your weekly flexible plan (food, motoring, other) into a clear daily spend limit, so you can easily see any overspending.
Budgeting on weekly pay →Configure your bank balance preferences and limits.
Weekly Flexible Spend Plan
Set your weekly budgets for variable spending. This drives your realistic forecast.
Enter today's bank balance before changing the Weekly Flexible Spend Plan.
Total weekly budget£360.00
Flexible spend rate£51.43/day
Get a daily bank balance summary by email, plus optional low-balance, overdraft, and forecast alerts that you can easily switch on or off in SpendWisely.
Choose which email notifications you want to receive.
Email Notifications
Choose which email notifications you want to receive. All notifications are enabled by default.
Daily Balance Summary
Receive a daily email with your balance summary and transaction activity.
Low Balance Alerts
Get notified when your balance drops below your threshold.
Overdraft Warnings
Receive alerts when you're approaching your overdraft limit.
Forecast Breach Alerts
Know when a planned commitment would take you below zero.
Sign up in seconds — no bank connection — and start changing how you spend money, with a 30-day view ahead instead of checking your balance and hoping it lasts!
Take control of your finances
By continuing, you agree to our Terms of Service and Privacy Policy
Step 1
Create an account with your email, then enter only the balance, income and commitments needed for your forecast. 14-day free trial. No payment card required. Cancel at any time.
Help & guidance
Your SpendWisely guide
SpendWisely guide
Hi! I'm your SpendWisely guide. Ask me about any feature or what you see in the app.
Step 2
Your AI guide can set up everything for you, explain any screen. Ask it about SpendWisely features, screens and setup.
Free Trial
£0/ month
billed monthly
Try everything free!
Premium
£8.75/ month
billed monthly
£8.75/month or £63/year — save £42
SpendWisely is not FCA-authorised and does not provide personalised financial advice. Forecasts are estimates based on the information you enter. If you are struggling with debt, free help is available from StepChange, National Debtline, and MoneyHelper.
Prevent overspending money you don't actually have. Start today for free — no bank connection required.