Add it when it lands
Expected income stays outside today’s spending number.
For nomads and long-stay travellers
Enjoy where you are. Know what you can spend today.
New country. Different currency. Same simple question. Get one daily spending number after the costs you’ve planned for, so you can enjoy where you are with less second-guessing.
Free beta · Opens in your browser
(€4,800 available − €1,600 still to pay) ÷ 60 days
Based on the money, upcoming costs and timeframe you enter. No bank connection.
- Use
- Money already here
- Leave out
- Tax, savings and emergency money
- Cover
- Stays, visas and costs still to pay
- See
- One honest number for today
Cash flow, made usable
A sent invoice is not money in the bank.
When clients pay on different dates, start with the money that has arrived. Add unpaid stays, visas and other planned costs. Choose the time ahead; update the plan when a payment lands.
Keep untouchable money out
Only enter money you have deliberately made available for this plan.
Account for large future charges
Monthly stays and deposits are visible before daily spending.
Keep the original price clear
Record the currency you paid while using one plan currency for decisions.
Not business accounting
A personal spending decision layer.
SpendYes does not replace invoicing, tax, bookkeeping or professional advice. It answers a narrower daily question after you have decided what money is available for personal use.
| Tool | Question it answers | Role |
|---|---|---|
| Accounting software | What did the business earn and owe? | Records and compliance |
| Banking app | What is in the account? | Balances and payments |
| SpendYes | What can I spend today based on my plan? | Personal decisions between payments |
Clear answers
Frequently asked questions
How do I plan with irregular freelance income?
Base the current plan on money already received, not outstanding invoices. Add known personal costs, choose the period the money needs to cover and update the plan when income actually lands.
Can SpendYes track business expenses and taxes?
SpendYes is designed for personal spending decisions, not business accounting or tax filing. Keep business records in accounting software and enter only the money you have decided is available personally.
Can I use it while changing countries?
Yes. Update the location or spending currency when you move. Individual entries can keep their original currency while the daily plan remains in one chosen currency.
What if I do not know when the trip ends or the next client will pay?
Choose a period or review date for the money you have now. It is not a prediction of when work or travel will end. Update it when your circumstances change.
Is the beta free?
Yes. The current beta opens in your browser without an account or payment. Any future paid access would be a separate, explicit choice.
Does the daily number guarantee what I can afford?
No. It is a guide based on the money, costs and timeframe you enter, not financial advice or money reserved in a bank account. Keep those inputs current.
SpendYes
Know what the choice changes before you make it.
Cover what is still to pay. See what is yours today. Then get on with your life.
Get my daily number