The Money Mode System
Know what you can spend every day, without tracking every cent.
The Money Mode app takes your bills, subscriptions and savings out first, then shows one Safe-to-Spend number for the month, the week and today. Update it in 15 minutes a month.
- ✓ No bank login
- ✓ Phone and computer
- ✓ 14-day money-back guarantee
Payday feels fine. Day 20 doesn't.
It's not that you're bad with money. You're looking at the wrong number.
You spend from your balance.
Rent and bills haven't left yet, so the money looks free when it isn't.
Small spends don't feel like spending.
Coffees, delivery fees and forgotten subscriptions add up faster than you think.
Budget rules don't fit your life.
50/30/20 ignores your real rent and bills, so you quit it in a week.
One number you can trust
What is a Safe-to-Spend number?
A Safe-to-Spend number is the money you can spend freely after bills, subscriptions, savings and a surprise fund are set aside. Money Mode works it out for the month, the week and today.
Bills, savings and surprise costs come out first. What's left is yours to spend. When you check the app, you know right away if today's purchase fits.
Example month. $186 a week, $27 a day.
Three steps to your number.
- Once
Add your real numbers
Enter your income and bills. Your budget describes your life, not a rule.
- About 20 minutes
Find your leaks
Log last month's purchases. Money Mode flags the small spends so you can see what they cost.
- 15 minutes a month
Spend with a clear number
See your Safe-to-Spend per month, per week and per day.
Everything in one place.
Safe-to-Spend number
Month, week and today, recalculated as your month moves.
Bills and savings first
Rent, bills, subscriptions, savings and a surprise fund come out before you see your number.
Goals, debts and net worth
Savings goals, a debt payoff plan and your net worth, next to your daily number.
On your phone and computer
Sign in with your email from anywhere. Your numbers are saved online. Nothing connects to your bank.
Free app or full system?
| Feature | Free | Full system |
|---|---|---|
| Safe-to-Spend dashboard | ✓ | ✓ |
| Income and bills | ✓ | ✓ |
| Spending log | ✓ | ✓ |
| 19 currencies | ✓ | ✓ |
| Bill calendar | – | ✓ |
| Subscriptions tracker | – | ✓ |
| Surprise fund | – | ✓ |
| Savings goals | – | ✓ |
| Debt tracker and payoff plan | – | ✓ |
| Net worth and year overview | – | ✓ |
| Smart insights and spending charts | – | ✓ |
| Saved online, open on any device | – | ✓ |
| Import spending from a bank CSV file | – | ✓ |
The free app saves your numbers on your device only. Open the free app
Pick your plan.
Both plans include the full app. The yearly plan works out to about $3.33 a month.
Yearly
$3.33 a month. Save $20 compared with monthly.
The full Money Mode System, on your phone and computer.
Start my yearly plan →Monthly
Cancel anytime.
The full Money Mode System, on your phone and computer.
Start monthly →14-day money-back guarantee. Not for you? Email info@getmoneymode.com within 14 days of your first payment for a full refund. Secure checkout by Stripe. Taxes may apply.
Questions, answered.
Do I have to connect my bank?
No. You type in your own income and bills. Nothing connects to your bank.
Does it work in my currency?
Yes. You can pick from 19 currencies, including US dollar, euro, British pound, Canadian and Australian dollar, Swiss franc, Swedish, Norwegian and Danish krona, Polish zloty, Japanese yen, Indian rupee and Brazilian real.
How is this different from the free app?
The free app gives you the Safe-to-Spend dashboard, income and bills, and the spending log, saved on your device. The Money Mode System adds the bill calendar, subscriptions, surprise fund, savings goals, debt tracker, net worth, year overview, smart insights, more charts, and saves your numbers online so you can open them on any device.
How much time does it take?
About 20 minutes the first time, then about 15 minutes a month.
Can I use it on my phone?
Yes. It runs in your browser on phone and computer. Sign in with your email to open your numbers anywhere.
Can I cancel?
Yes, anytime, from inside the app. You keep access until the end of the period you paid for.
What if it isn't for me?
Email info@getmoneymode.com within 14 days of your first payment and you get a full refund.
Stop guessing. Start each day knowing your number.
Bills first, savings second, then a clear amount you can spend without worry.