Safe to spend
$2,264yours through Aug 17
about $126 a day
18 days, every bill already counted — the amber marks are where they land.
It's yours through Aug 17 — every bill between now and then is already subtracted. Spend about $126 a day and everything clears.
Spend this much a day. Your bills are already counted.
It's what's left after every bill between now and then. No guessing, no checking your bank — just what's genuinely yours to spend.
That's it. That's the app.
No more tapping in the dark.
No more wondering which card.
No more overdraft surprises.
No more checking your balance five times a day.
Just one number, and a date.
Sound familiar?
“How much can I actually spend?”
We work it out for you. One number, updated every day.
“What bills are coming out?”
All of them, in one list, each with its real date.
“How much do I even have?”
Every account and every card, added up in one place.
“Which card do I use?”
We tell you before you get to the register.
Four questions. One app. No spreadsheets.
No more tapping and hoping.
You're standing at the register with three cards. You don't know which one has room. So you pick one and hope. That moment is horrible, and it has nothing to do with how much money you have.
- Will it go through?
- We know how much room is left on each card. Even the extra a gas pump holds back.
- Should you use your own money instead?
- If your cash covers it safely, we say so, and you pay no interest.
- Which card costs you least?
- If you're carrying a balance, we pick the one that costs you nothing this month. Points come last.
- Card got declined?
- Hold it down. We give you the next best card straight away. No lecture, no red screen.
Approved
$142.60 · Venture ···7213
No more wondering which card. Just tap the one it tells you.
Auris, in depth ›Know before you tap.
Use today
Venture ···7213
$3,285 room — fits with plenty to spare
Next best: Freedom ···4402 — costs you $0 in interest this month.
Here's what it does.
- 01
It finds everything coming.
Every bill, card payment and paycheck, on the day it really happens.
- 02
It does the math.
It runs your balance forward and finds the tightest day before you get paid again.
- 03
It gives you one number.
“$2,264 yours through Aug 17 — about $126 a day.” Spend that and nothing bounces.
Safe to spend
$2,264/day
Covered through Aug 17 card payment
Bills ahead
- RentAug 1$1,850
- SpotifyAug 3$12
- Venture cardAug 17$420
- Car paymentAug 22$380
Use today
Venture ···7213
This is the whole home screen. Nothing to set up.
The math, already done.
Move a bill. Watch the number change.
Drag a bill to a different day. Or push payday back three days. Watch the number change. This is the same math the app runs on your real bills.
Safe to spend
$750
Covered through Aug 15
Drag any bill to a different day.
Real math, sample numbers.
Your bills, your dates, your number.
Look at your phone. Don't even unlock it.
You check your phone all day anyway. So we put it there. A green bar means you're fine. An amber bar means it's tight. It also shows which card to use today. No numbers on show, so the person behind you in line sees nothing.
No more bracing yourself to check your balance. Glance at the bar, see which card to use, and tap.
Wednesday
9:41
Venture today
Wednesday
9:41
Use debit today
Wednesday
9:41
Venture today
No amounts. Just the color and the card.
No more tapping in the dark.
No more bracing yourself to check your balance.
No more guessing which card.
Just glance at your phone, and know.
Numbers never lie to you.
An app about money only works if you can believe it. So we wrote down four rules.
Safe to spend
+$2,102 — the car payment cleared
Every change comes with its reason.
01
We never count money we're not sure about.
If we can't be sure money is coming, we treat it as zero. We will never tell you that you have money you don't have.
02
Every $0 comes with a date.
“Nothing today. This works again Aug 1, when your paycheck lands.”
03
The number never changes quietly.
Good news too: “+$2,102 — the car payment cleared.”
04
Moving your own money isn't income.
Cash from your savings to your checking isn't a raise. We won't pretend it is.
These four rules are written into the code and tested every time we build the app. If a screen breaks one, the build fails.
And one thing we left out on purpose: there's no spending report in aeso. No pie charts, no grades, no month-end reckoning. You're not here to study your money — you're here to live on it. The only chart is your own next few weeks, and it's one tap away, never the front door.
It never guesses.
The night before.
“Cash-advance apps charge you for the rescue. Most of those nights, the money was sitting in another account.”
Most short nights aren't a money problem. They're a timing problem. We spot it early, while you can still move money yourself.
What they do
A fee to borrow. A monthly charge whether you borrow or not. An extra fee to get it fast, on the night you need it most. That works out around 300% a year.
What we do
We see Friday's gap on Wednesday: “Move $430 from savings tonight. Your loan comes out at 3am, your pay lands at 6pm.”
Your money. No fee.
No more overdraft surprises — just a heads-up while you can still do something about it.
More on Guardian ›A heads-up, not a loan.
What everyone else gives you.
You've probably tried some of these. Here's where each one stops.
Budgeting apps
YNAB, Monarch, Copilot
- What you get
- Categories and reports
- What it costs
- $99–199 a year
- Where it stops
- Month by month, not day by day. And you have to keep them fed.
Bank “safe to spend”
Rocket Money and similar
- What you get
- One number
- What it costs
- $7–14 a month
- Where it stops
- One subtraction. No card dates. No help if your pay changes.
Rewards apps
Kudos, CardPointers, MaxRewards
- What you get
- The card with the most points
- What it costs
- $0–108 a year
- Where it stops
- 2% back on a card charging 20% is a loss. They can't see that.
Cash-advance apps
Dave, Brigit, Cleo
- What you get
- $25–500 when you're short
- What it costs
- About $25 a month
- Where it stops
- They charge you for the rescue. Around 300% a year, all in.
aeso
- What you get
- One number with a date, and which card to use
- What it costs
- Free
- Where it stops
- We're new, and we say so.
We only claim what we can show.
It gets to know your week.
Friday costs more than Tuesday. The gas pump holds $175 until it settles. Rent leaves on the 2nd because the 1st is a Sunday. We learn these quietly, and we never read them back to you as a telling-off.
Fridays cost more. It knows.
Your rhythms
Some days cost more than others. We learn that from your own history.
Real dates
A bill due Sunday leaves your account on Monday. We use the day it really happens.
It checks itself
When you take our card advice, we check whether it worked. Advice that stops working gets dropped.
It learns you. It never judges you.
How people describe it, in their own words.
These aren't customers and they aren't reviews. They're the way people talk about this in public, kept in their own words.
“I’m too scared to open my banking app.”
We open with what you can do, not what you did wrong. There's no spending report on the home screen.
“I’ve tried every budgeting app.”
There's nothing to keep up here. No categories, no envelopes, no monthly reset. We read your accounts and tell you what's true.
“My pay is different every month.”
We're built for that. We plan on your smallest recent month, never your best.
46% of Gen Z admit avoiding their bank balance. It runs in a gradient — 41% of Gen Z, 27% of Millennials, 20% of Gen X.
— U.S. Bank / Morning Consult 2026 · Discover / Dynata
The whole product, in plain terms.
Safe to spend
What's yours to spend today, and the date it lasts through.
Your bills
Everything coming out, in order, with real dates.
Auris
The card brain. Which card to use today, and why.
Card room
How much room each card really has left.
Guardian
A heads-up before a short night, using your own money.
Your income
You confirm what counts, once. Paid in cash? Type it in.
The glance
Lock screen and home screen, with no amounts on show.
How you're doing
Your money over time, so you can see it getting better.
One app. Nothing to maintain.
Questions people actually ask.
80% of Americans carry financial anxiety. aeso is a health app that happens to read your bank.