Good to see you.
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Safe to Spend starts with what is on hand, then sets aside fixed costs, goal reserves and your safety buffer until the next money drop.
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Everything you logged.
Only what you added. No bank connection, no imports, no scores.
Sleep on it, or buy on purpose.
See what a purchase actually costs you — in shifts worked, in safe-spend days, in runway. The final call is always yours.
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Who owes who.
Rent, groceries, the group dinner nobody wants to bring up. Log it once, settle it calmly.
One target at a time.
Next term's books, a deposit, a trip. Honest dates, and room to change your mind.
Set up your term.
These few numbers drive Safe to Spend and the Semester Runway. Change them any time.
Leave hourly pay at 0 to hide the "hours of work" comparison.
Aid refunds, family transfers, paydays — the moments money arrives.
Mark a cost paid and it stops reducing Safe to Spend for that cycle.
Everything stays in this browser unless you export it. There is no account and no automatic sync between devices.
Student Money Map is a personal organisation tool. It is not financial, tax, or legal advice. Safe to Spend, runway and goal dates are estimates based only on what you enter.