Built for irregular income
Expected is not the same as available.
Track what may arrive, follow its status, and plan ahead — while keeping today’s position honest.
Website deliveryConfirmed · 25 Aug₦80,000
Monthly retainerExpected · 1 Sep₦450,000
Financial clarity, every day
Know what your money can actually do.
Balances, commitments, and protected savings in one honest view. Spenddeck tells you what is free to use — not just what is sitting in an account.
No bank connection required Your data stays yours
Live rates
Currency calculator
Waiting for live rates—
01
Money you have is kept separate from money you expect.
02
Every number explains itself with visible assumptions.
03
Your plan stays flexible when income changes.
Your daily financial brief
The answer you need first — not twelve cards competing for attention.
Safe to Spend starts with money that exists, then accounts for upcoming commitments and every amount you chose to protect. Expected income stays out until it arrives.
See how the engine worksSafe to SpendCalculation for today
BalancedTotal available ₦684,500.00
Committed− ₦278,000.00
Protected− ₦120,000.00
Available for flexible spending₦286,500.00
Expected income is not included until it is received.
Cash-flow, in context
See the next decision before it arrives.
Past activity, upcoming costs, and expected income share one calm timeline — without pretending uncertain money is already yours.
August cash-flowProjected · ₦406,500.00
Client retainerReceived
+ ₦450,000InternetCommitted
− ₦25,000Design projectExpected
+ ₦80,000Studio rentCommitted
− ₦150,000Make progress visible
Protect the future without hiding the present.
Emergency fund60%
₦180,000 saved of ₦300,000
New workstation23%
₦420,000 saved of ₦1,850,000
Private by architecture
Your financial life is not an advertising product.
Encrypted transport, secure sessions, database-level ownership controls, and analytics that never contain your amounts or private descriptions.
How Spenddeck protects youStart with the full picture