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Every paycheck, bill, and card payment on one timeline. Watch your balance travel through the next weeks and months, and know what's safe to spend today.
Checking Account
You have money that's NOT spoken for!
Your balance never goes negative. You can safely spend $659 right now.
It says $2,431. It doesn't mention the $1,200 in rent due Friday, the $89 streaming bundle you forgot about, or the credit card auto-pay that hits Tuesday.
SpokenFor.money tells you what's safe to spend right now.
We project your balance through every upcoming bill and find your lowest point. Whatever's above it is yours. Spend it on whatever, we don't do budgets or guilt.
No tracking chores. No categories homework. Just your future, laid out in front of you.
The forecast is a timeline of everything scheduled: paychecks landing, rent leaving, the card payment being set aside, with your running balance next to every line. Scroll forward and you're reading next month's bank statement today.
The lowest point gets flagged, upcoming card payments are reserved before they're due, and everything above the Today line has already been confirmed against your bank.
The forecast timeline: every scheduled transaction with your balance beside it.
Three steps to a number you can trust. About ten minutes, once.
Type in what you have today. That's the whole setup: no bank login, no linking, nothing to connect.
Paychecks, rent, subscriptions, card payments: the scheduled stuff. Everyday spending stays out of it. No receipts, ever.
We forecast every upcoming bill, find your lowest point, and show what's truly available. Anything above it is yours.
Most money apps audit your past. This one guards your future.
A timeline of every scheduled transaction with your running balance beside it, out to five years. The lowest point is marked, so you know exactly how much cushion is real.
Tell it your statement dates once. Every card payment is reserved on your checking account before it's due, split by statement cycle, so the card never ambushes you.
Name your goals: emergency fund, trip, down payment. Contributions ride the forecast like bills, so saving happens before spending does, and you watch each goal grow on schedule.
There is no bank login screen in this app. Your credentials never leave your bank, there's nothing here to breach, and no third party sits between you and your money.
We don't track your coffee or judge your takeout. Keep everyday money separate and spend it freely: the forecast guards the account that pays your bills.
You confirm what cleared in about a minute a day, so your number always matches your bank. Nothing edits your balance without you. Trust is the whole point.
That's the only question your money app should answer fast. Just: can I afford this, yes or no.
The setup behind SpokenFor is simple: your money lives in two accounts with two different jobs.
Paycheck lands here. Rent, subscriptions, and card payments leave here on schedule. Every dollar in it is spoken for, and the forecast has one job: this account never fails.
Groceries, gas, dining out: it all comes from here, like cash in your pocket. No tracking, no categories, no judgment. If there's money in it, it's yours to spend.
Most money apps want to see every account you own. SpokenFor only needs the boring one, so your everyday spending stays private, even from us.
Most money apps start by asking for your bank login. SpokenFor never does. There is no linking screen anywhere in the app: you type in a balance and the forecast does the rest. Your credentials stay with your bank, there's nothing here to breach, and we never sell data because we never have it. Your everyday spending account never enters the app at all.
Staying accurate takes about a minute a day: open your bank, mark what cleared, done. And one rule never changes: nothing edits your numbers without you. The forecast proposes; you confirm.
The free plan is the full forecast for one account. The paid plan runs your whole system.
Every new account starts with 14 days of everything: cards, savings goals, all of it. No credit card. When it ends, you keep the free plan and all your data.
no credit card, no expiration
billed annually as $48 (save $24 a year), or $6 month to month
Cancel anytime. You land back on Free, never on a locked screen.
One avoided overdraft fee pays for 8 months.
Know what's spoken for. Spend the rest however you want.
Free forever. No credit card. Your data is yours.