SpotFunds

"Can I afford this?" You ask yourself this every day. Coffee. Lunch. Drinks with friends. Dinner. Shopping. SpotFunds gives you the answer - and helps you never run out of money before payday. SpotFunds only shows what's Ready-to-Spend® today, NOT just your budget's remaining balance. Most importantly, SpotFunds learns your spending patterns all on the device (no cloud needed!) - when and where you spend, how much you spend - and uses this to send you helpful, personalized notifications at the right time and place. No spam, no shame, just smart guidance and 100% private! HOW IT WORKS Every day, SpotFunds calculates your Ready-to-Spend® - exactly how much you can safely spend TODAY across your different budgets. As you log purchases, SpotFunds adjusts your pace and sends you helpful alerts so you never run out of money before payday. The more you use SpotFunds, the smarter it gets! - Learns when you typically spend (mornings, weekends, etc.) - Shows your Ready-to-Spend when you arrive at places relevant to your budgets (opt-in) - Sends helpful nudges at the right moments, not random spam WHAT MAKES SPOTFUNDS DIFFERENT Ready-to-Spend® See what you can spend TODAY, not just what's left in your budget. This daily number adjusts as you spend, helping you PACE your spending so money lasts between paychecks. SpotCheck Notifications When you opt-in, SpotFunds shows your Ready-to-Spend® amount when you arrive at your favorite Spots - coffee shops, restaurants, stores. Know what you can spend BEFORE you walk in, not after you leave. Example: "At Starbucks? Your Coffee budget has $8.98 Ready-to-Spend!" These notifications aren't spammy - you won't get a notification at 9pm when you're near a Starbucks if you typically buy coffee in the morning. Just helpful alerts at the right time and place, based on YOUR habits. Learns Your Patterns SpotFunds keeps your data on the device. It recognizes your patterns - when you spend, where you go, how you pace yourself - and uses that to send you smarter notifications over time. When you tap a notification, you'll even see WHY you got it based on your spending behavior. All 100% private. Works With Siri Ask Siri "Get ready to spend for coffee," or "Get ready to spend for eating out" and get your Ready-to-Spend® amount instantly. Widgets Configure widgets to get a quick glance of Ready-to-Spend® for whichever budget(s) you'd like. 100% Private All of your data stays on your iPhone. No cloud, no bank account connections, no sharing, no tracking. Your patterns are learned locally on your device.