Can I afford it calculator?
Check whether a purchase may fit after bills, expected income, and the future commitments you want to protect.
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See what is ahead before you spend.
Money feels simpler when you can see what is coming next. Spendable offers practical advice and decision making tools to help you understand what you have left to spend at any time of the day, week or month.
Cash-flow clarity
Your bank balance is only part of the picture.
Better spending decisions come from understanding what is ahead: upcoming bills, recurring commitments, payday timing, and money that already has a future purpose.
Featured tools
Smart tools to guide your spending decisions.
Spendable money calculator
Work out how much money may be safe to spend after upcoming bills, future commitments, and money you want to keep aside.
Use calculator Payday planner
See whether your money can last until your next payday after bills and near-term commitments are accounted for.
Use calculator Featured advice
BSee your future commitments clearly, and spend with confidence.
How much money can I actually spend?
Learn how to work out how much money you can safely spend after upcoming bills, regular commitments, savings, and payday timing.
Read the guideWhy your bank balance is not your spending limit
Your account balance can make you feel like you have more money than you really do. Learn why upcoming bills and commitments matter before you spend.
Read the guideWhat to do when bills are due before payday
If your bills are due before payday, here are practical ways to manage the gap, plan ahead, and avoid running out of money.
Read the guideKnow what's ahead
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