Safe to Spend
Understand Salli's payday-aligned daily guidance and every value in its calculation.
Safe to Spend answers: “What can I spend today and still cover the plan before payday?”
The calculation
available income =
max(expected income this cycle, confirmed income this cycle)
affordability pool =
available income
− remaining approved bills
− remaining seettu dues
− planned goal contributions
− discretionary spending already recorded
limit remaining =
optional cycle spending limit − discretionary spending already recorded
pool =
the lower of affordability pool and limit remaining, when a limit exists
safe to spend today =
max(0, pool ÷ days until payday)
Days include today. A payday starts a new cycle, and a payday such as the 31st automatically clamps to the last valid day in shorter months.
Why income is not counted twice
Expected income and confirmed salary can describe the same money. Salli uses whichever is higher for the cycle rather than adding them together.
What reserves money
- active category or cycle limits;
- approved recurring payments due before payday;
- one-time scheduled payments;
- unpaid seettu contributions;
- savings-goal contributions; and
- manual committed-spending settings.
Transfers never reduce the pool as spending.
Over-cycle state
When the pool is negative, Home shows how far the cycle is over and the daily allowance is clamped to zero. The negative pool remains visible; Salli does not hide overspending by showing a false positive allowance.
Inspect the number
Tap the information control on Home to open the breakdown. It shows the income, remaining commitments, goals, seettu dues, recorded spending, optional cap, cycle pool, daily guide, and next-seven-day guide.