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It takes your starting balance, your paycheck schedule, your recurring bills, and any one-time income or costs you know about — and projects your balance forward 12 months, pay period by pay period. Each period gets flagged Healthy, Low Dip, or Overdrawn so you can see trouble coming before it arrives instead of after.
Most budgeting apps look backward — they categorize what you've already spent. SafetyLever looks forward. There's no transaction importing or receipt logging; you tell it what's coming (income and bills), and it does the math to show you what your balance looks like weeks and months from now.
About two minutes for the basics: your starting balance and your pay schedule. From there you can add recurring bills and one-time costs whenever you think of them — the forecast updates automatically as you go.
No. SafetyLever doesn't link to your bank. You enter your numbers directly — starting balance, pay schedule, bills, and any one-off amounts. That keeps things simple and means there's no bank login to hand over to a third party.
A recurring bill is something that repeats on a schedule — rent, a subscription, a car payment — and factors into every relevant pay period going forward. A one-time cost is a single known expense on a specific date, like a car repair or a deposit, which only affects the period it falls in.
It lists your debts smallest balance to largest, applies any extra payment you specify to the smallest one first, and lays out the order and rough timing for paying them all off — the classic "snowball" method, calculated for you.
They're a quick visual read on each pay period's projected ending balance: Healthy means comfortably positive, Low Dip means it's getting thin but should stay above zero, and Overdrawn means the forecast has that period dropping below zero based on what you've entered.
Yes. Alongside your regular paycheck, you can log one-time income — a freelance payment, bonus, tax refund, or anything else — and it factors straight into the forecast for that period.
Yes — creating an account and using the forecaster doesn't require a credit card or payment of any kind.
No. Your budget, bills, and debt data are tied to your own account and only visible when you're logged in. See the Privacy Policy for the full details on how your data is stored and handled.
Send a request through the Feedback form and we'll take care of it. Self-service deletion isn't built into the app yet.
No. SafetyLever is a calculator that projects numbers based on what you enter. It's not a certified financial planner and shouldn't replace one, especially for big decisions. Think of it as a second set of eyes on your own math, not a recommendation engine.
The forecast is only as accurate as what's entered. Unplanned purchases, forgotten subscriptions, interest charges, or a bill amount that changed since you logged it will all cause drift. Keeping your bills and income up to date keeps the projection close to reality.
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