eply

eply is a personal finance app that helps you understand how much money you can safely spend each day. Unlike traditional budgeting apps that focus on complex category budgets or tracking past expenses, eply helps you plan ahead and make better everyday spending decisions. Know what you can safely spend Your account balance doesn't tell you how much money is actually available. eply considers your current balances, upcoming bills, expected income, and a protected reserve to calculate a practical daily spending budget. Choose whether to plan until your next income, the end of the month, or a custom date. Check purchases before making them Thinking about buying something? Enter the amount and see how it would affect your daily spending budget for the remaining period. Preview purchases in different currencies before committing to them. Track income and expenses Record expenses, income, transfers, and balance adjustments. Organize transactions with categories and subcategories, search your history, and keep track of recurring payments. Manage multiple accounts and currencies Track cash, bank accounts, cards, and savings in one place. Transfer money between accounts, manage different currencies, and decide which balances should count toward your available spending money. Plan upcoming payments Keep track of future bills and expected income, set up recurring monthly payments, and receive reminders about upcoming transactions. Private and simple eply works offline and doesn't require a bank connection or an account to get started. Your financial records are stored locally, with optional account-based synchronization. PIN and biometric authentication help protect access to your data. Key features:

• Daily Safe to Spend calculation
• Purchase impact preview
• Income and expense tracking
• Upcoming bills and recurring payments
• Protected savings reserve
• Multiple accounts and currencies
• Custom budgeting periods
• Transaction categories and history
• Offline access
• Optional account synchronization
• PIN and biometric protection Available for iPhone and Android. eply is designed for people who want a clear picture of their everyday finances without the complexity of traditional budgeting systems.