Pricing
Free to find your number. $9.99 to act on it.
The card that stops you is still being built. Early access is what you can use today — and it is what funds getting the card made.
Calculator
$0
No card required
- Spending calculator, unlimited
- Your discretionary limit and daily number
- An honest answer when the goal does not fit
- Join the card waitlist
Early Access
$9.99/month
Cancel any time, one click
- Connect your bank and credit cardsRead-only. You authenticate at your own institution; we never see a password and never touch a card number.
- Spending alerts by email and SMSTold when a purchase is unusually large, or when you cross a share of your limit — while the month can still change.
- AI spending summariesWhere the money actually went, in plain language, without you reading forty line items.
- AI savings and debt payoff plansA concrete plan built from your real numbers, not a generic rule of thumb.
- Front of the queue for the cardEarly access members get the enforcing card first when it launches.
The conflict, stated plainly
We charge you directly so we never need you to spend more.
When the card exists, it will earn a small share of each transaction — standard for debit, and it costs you nothing extra. For most fintech apps that is the whole business: the more you spend, the more they make.
For SafeSpend that is backwards. A customer who succeeds spends less than they would have. If card fees were our only income, the incentive would eventually point at weakening the guardrail — a slightly easier limit increase, a slightly shorter cooldown.
The subscription is what removes that pressure. You paying us directly is the only arrangement where what is good for you and what keeps the company alive point the same way.
What we will not do: sell your transaction data, take referral fees for pushing products you did not ask about, or earn more when the guardrail fails.
What you are buying today
On the AI features
Questions about any of this? The FAQ covers the uncomfortable ones, and privacy spells out exactly what a connected account lets us see.