Pricing
A product that makes you spend less has an awkward business model.
We would rather explain the awkwardness than hide it, because the way a money app earns its living tells you what it will eventually optimise for.
Calculator
Free
Permanently
- Discretionary limit and daily figure
- Honest answer when the goal does not fit
- Suggested card settings
- No signup, no bank connection
- Runs in your browser
SafeSpend Card
$0
Funded by interchange
- Debit card with your hard monthly limit
- Daily cap
- Cooldown on larger purchases
- Monthly funding of only your chosen amount
- Decline history, so you can see it working
Plus
$5–10/mo
Target range, not yet fixed
- Everything in the card plan
- Automatic limit increases as debt is paid down
- Progress insights, opt-in and quiet
- Shared limits for a household
- Priority human support
The conflict, stated plainly
Interchange rewards spending. We reduce spending.
Debit cards earn their issuer a small share of each transaction. That is standard, it costs you nothing extra, and for most fintech apps it is the whole business: the more you spend, the more they make.
For SafeSpend that is backwards. A customer who succeeds spends less on our card than they would have on their own. Every improvement we make to the product reduces our own interchange revenue. If interchange were our only income, the incentive would eventually point at weakening the guardrail — a slightly easier limit increase, a slightly shorter cooldown, a nudge to raise the number.
That is why a subscription matters here more than it would elsewhere. Paying us directly aligns what is good for you with what keeps the company alive. It is also why we are asking about price on the waitlist form before building anything.
What we will not do: sell transaction data, take referral fees for pushing you toward products you did not ask about, or earn more when the guardrail fails.
Unit economics are not settled