Your balance includes money already spoken for.
The product makes those commitments explicit.
Press room
SpendYes, in plain English.
Bank apps tell you how much money you have. SpendYes tells you how much you can spend today.
- Product
- Daily spending guide
- Primary audience
- Variable-income nomads and independent workers
- Core behaviour
- Ask before; record after
- Website
- spendyes.app
Product facts
What it does—and does not do.
These facts are suitable for accurate descriptions of the product.
| Question | Factual answer | Useful distinction |
|---|---|---|
| What is the core calculation? | Balance minus costs still to pay, allocated across the remaining days | A forward-looking daily decision |
| How is spending added? | Voice, text and receipt capture | The user reviews what the app understood |
| Does it connect to a bank? | No. The current product has no bank connection | The user maintains one combined plan total and reviews captured entries |
| Is it financial advice? | No | It calculates from information supplied by the user |
Editorial framing
The problem is the misleading comfort of a balance.
A balance shows money before future commitments are explained. SpendYes gives those commitments a place, then makes the remainder usable for an immediate choice.
Know what you can spend today.
A positive emotional frame centred on permission and consequence.
Variable-income nomads first.
Irregular income, changing countries and local-currency spending make the problem frequent and visible.
Trackers look back; SpendYes helps decide next.
The app still records spending, but the decision is the centre.
Brand assets
Use the current SpendYes marks.
Keep the wordmark as SpendYes with a capital S and Y. Do not imply bank status, guaranteed outcomes, customer numbers or endorsements that have not been confirmed.
Clear answers
Frequently asked questions
Is SpendYes a budgeting app?
It uses budgeting arithmetic, but the customer-facing product is a daily spending guide. Its main job is to help someone decide what they can do next.
Who is SpendYes for first?
The initial focus is digital nomads and independent workers whose income, location and currencies change. Long-term travellers, working-holiday travellers and students abroad face the same underlying problem.
What claims should not be made?
Do not call SpendYes a bank, an adviser, the first product of its kind, or a guarantee that money will last. Do not invent customer, revenue or performance figures.
Where can journalists ask questions?
Use the SpendYes support page and identify the publication, deadline and question in the message.
SpendYes
Let’s make the useful idea easy to share.
Tell us who you serve and the real money moment you want to improve.
Contact SpendYes