DivvyUpp

Know what you can safely spend, before you spend it

Your bank balance shows what you have. It does not show what is already promised to something else. DivvyUpp looks at your pay, your bills and your savings goal. Then it gives you one number: what is safe to spend today, this week and this month.

About to buy something? Ask first. You get a clear answer, and you can see how DivvyUpp worked it out. Nothing to log afterwards. Nothing to sort into categories.

DivvyUpp is built for one person and one number. It is not a bill-splitter, and it never moves your money. The screens below are the app itself, running on a demo account you can open yourself — no signup, and no bank connection.

Getting set up

  1. Start with a plan, before any bank is involved

    DivvyUpp asks you three questions. How much do you earn? What do your bills cost? How much do you want to save? It takes your bills out of your pay to show your flexible money. Then it sets your savings goal aside as well. What is left is your safe-to-spend amount, and DivvyUpp tracks it by day, by week and by month. You do all of this before you connect a bank.

    Four steps, a number pad and a slider. Nothing to set up, and no spreadsheet to import.

    Onboarding step 1 asking "What's your monthly income?" with $10,000 entered on a number pad.Onboarding step 2 asking "What are your monthly fixed expenses?" with $6,500 entered.Onboarding step 3, "Here's your flexible money", showing $3,500 per month calculated as $10,000 income minus $6,500 expenses.Onboarding step 4 asking how much to save each month, with a $1,200 goal set on a slider, leaving a $2,300 discretionary budget and $74.19 a day to spend.

  2. Connect your bank, read-only

    You type your bank login into Plaid's screen, not ours. DivvyUpp never sees it and never stores it. The link can read your balance and your transactions. That is all it can do. It cannot move money, open accounts or pay anyone. We never asked your bank for that.

    Start with your checking account. That is where most of your spending happens. Then add your savings account, so your goal has a real place to grow.

    The Connect Your Bank screen reading "Link your checking account — we only read your transactions, we never move money", with a Connect Bank button above three assurances: DivvyUpp can never access your money, we never see or store your bank login, and everything is encrypted in transit and at rest.

  3. Check the plan against what is actually there

    Once your bank is linked, DivvyUpp shows you what it found. It goes through three things: the income it spotted, the bills it thinks are regular, and the spending left over. Each one sits next to the number you gave. You accept it or change it. If a one-off payment was marked as a regular bill, you can fix that here.

    You end up with a plan built from real deposits and real bills. Every number in it was checked by you.

    The Verify Your Plan income step comparing $10,000 declared against $10,833.33 detected, listing the detected deposits and offering Adjust or Confirm.The Verify Your Plan fixed-expenses step reading "Looks right!" against $6,530 declared and $6,263.27 detected, listing each recurring bill with a Fixed or One-time toggle.The Verify Your Plan discretionary step comparing the discretionary budget against what is typically spent, broken down by category.The Plan Verified summary reading "Your budget is now calibrated with real data", listing monthly income of $10,000, fixed expenses of $6,530 and a $1,200 savings goal, arriving at $75.67 a day safe to spend.

Your everyday number

  1. One number, for today, this week and this month

    The home screen answers one question: what can I spend right now? Not what you spent last month. Not how you did in some category. Just what is safe today, once your bills and savings are set aside. It updates itself as new transactions arrive.

    It also warns you when you are off track, and by how much you would miss your savings goal.

    The home screen showing "Safe to spend today $34.87", tabs for Today, This Week and This Month, cards for spent so far and saved so far, and a "Can I spend?" button.

  2. Ask before you buy, not after

    Type in an amount and get a clear answer. DivvyUpp checks it against today, this week and this month. It shows what your balance would be afterwards. It tells you whether your savings goal is at risk, and which bills are still coming. Then it says safe, caution or over.

    Asking records nothing and takes nothing away. It is only a question.

    The "Can I spend?" sheet with $45 entered, returning a Caution verdict reading "Over today's budget, but fits the week", with checking going from $6,400 to $6,355, savings unaffected, and upcoming bills listed below.

  3. Savings, checked against the money that is actually there

    The savings page shows the goal you set in your plan, and how far you have got this month. Link your savings account and that number stops being something you typed in. DivvyUpp reads the balance and shows what is really in there. And on any day you spend less than your daily amount, DivvyUpp puts the difference aside. A good week turns into a specific amount to move, not just a feeling that it went well.

    You make the transfer in your own bank. DivvyUpp records that you did it. It cannot move the money for you.

    The Monthly Progress screen showing a $1,200 monthly savings goal with $300 saved and $900 to go, and a "Transfer underspend" next step worth $402.49.

Where the money went

  1. Activity, split into fixed and flexible

    Every transaction, split the same way as your plan. Bills you cannot easily change sit on one side. The flexible spending that really decides your month sits on the other. You can filter, search and browse by category. If DivvyUpp labeled something wrong, change it — just that one payment, or that store from now on.

    The Activity screen for August 2026 with All, Flexible and Fixed tabs, total expenses of $6,305.70, and category rows for Housing, Bills and Transportation each showing the change against last month.

  2. Balance change detection — money that has left, but has not posted yet

    Banks are slow to post transactions. You tap your card today, and it may not show up for a day or two. But the money has already gone. Until it appears, most spending numbers are too high. That is exactly when you are most likely to trust them. So DivvyUpp watches your balance instead. When your balance drops with no transaction to explain it, that gap is shown as pending spending. Your safe-to-spend number already includes it.

    If you remember what you bought, you can list it out. Each line matches itself up once the bank posts it. If you do not remember, just leave it. Your number is right either way.

    The Activity screen showing a "Balance change detected" card marked PENDING for $48.96, reading "Your bank shows this much pending — we'll fill in the details automatically as the transactions post", with an Itemize button.The "Itemize this pending amount" sheet splitting $48.96 into two lines — Costco $32.50 and Shell $16.46, each toggleable between Flexible and Fixed — bringing the remaining amount to itemize down to $0.00.

The bigger picture

  1. Upcoming bills, so nothing lands as a surprise

    See what is due in the next 7 and 30 days. You get the amount, the account it comes out of, and how long you have. One forgotten bill can undo a careful month. It helps to see it coming.

    The Upcoming Bills screen showing $38.90 due within 7 days and $5,690.70 within 30 days, with bills grouped by due window and each showing its account and days remaining.

  2. Insights, with a dollar value attached

    Repeat spending you may not have noticed. The days of the week you spend more. And what each one would be worth per month if you changed it. Every insight is shown in dollars, next to your savings goal, so you can judge whether it is worth doing.

    The Insights screen showing a recurring-spending card worth $565 a month and a Wednesday spending-pattern card worth $158.46 a month, each expressed as a share of the savings goal.

  3. Health View — the periodic step back

    Your daily number keeps you on track inside the month. Health View asks a slower question. How much of your pay are you actually keeping, and what changed? It compares this period with a typical one for you, across bills, flexible spending and card debt. It names the stores behind any change. And it only flags changes big enough to matter at what you earn.

    The Health View screen reading "You keep $3,994 of what you make", with a spend-versus-keep bar and a card-debt panel flagged Critical showing a $2,230.62 increase and the card driving it.

Set once, then forget

  1. Email alerts, when something needs you

    Pick the emails you want. Safe-to-spend updates, savings progress, low-balance warnings, weekly insights and streak reminders. You also choose when they get sent. Turn them all off and DivvyUpp stops emailing you.

    Email only. DivvyUpp does not text you.

  2. Manage the accounts you have linked

    See every account you have linked, when it last updated, and which ones count toward your dashboard. You can add another, hide one, or remove it. Removing an account cuts off DivvyUpp's access to that bank.

    The Manage Accounts screen listing linked checking, savings and credit card accounts with their last sync time, each with a Remove control, above a "Link Account" button.

What DivvyUpp does not do

  • It never moves, holds or invests your money. It can only read.
  • It does not split bills or track who owes who. That is a different kind of app.
  • It does not ask you to sort every purchase, and there is no spreadsheet to keep up with.
  • It does not text you. Alerts come by email only, and each one is optional.

See it working first

The live demo is the real app running on example data, with no account and no bank connection needed. Pricing is on the pricing page.

How it compares

Each one says what DivvyUpp does and what that other product is good at, with links to the sources.