SafeSpend is your true available spending money after all bills, savings, and essential expenses. It's calculated by taking your income, subtracting fixed expenses and savings goals, and showing you exactly what you can safely spend without affecting your financial security.

Our AI analyzes your spending patterns, income cycles, and upcoming expenses to create highly accurate 6-month projections. The forecast updates in real-time as you log transactions, becoming more precise over time.

Absolutely! Our Financial Sandbox lets you simulate major purchases like cars, homes, or life changes. See exactly how each decision impacts your SafeSpend and long-term financial health before committing.

Yes! We use bank-level encryption and read-only access to your accounts. We never store your banking credentials and all data is encrypted in transit and at rest. Your privacy and security are our top priorities.

Unlike traditional budgeting apps that just track spending, MoneyArc focuses on your future. We calculate your true SafeSpend, show you 6 months ahead, and let you test life decisions before making them. It's proactive financial planning, not just reactive tracking.

MoneyArc is designed for real life! Our AI adapts to irregular income, seasonal expenses, and unexpected costs. The system learns your patterns and adjusts forecasts accordingly, giving you accurate projections even with variable income.