From one payday to the next.
Your financial month does not have to start on the first. Choose a start date that fits your life.
CanISpend.io by JESMYour money.
Planned more clearly.
What is really available to spend? Plan your personal financial cycle with your own entries, without a bank connection.
The free JESM update to version 1.3 is being prepared for the App Store. After Apple approves it, all features will be available without a subscription or trial limit. Until then, the App Store may still offer version 1.2.
Your plan. Your rhythm.01 · Personal cycle 02 · Plan deliberately 03 · Keep an overview
A month that works for you.
Available or already reserved?
Income, recurring expenses, budgets and reserves help you distinguish planned amounts from available money.
One-off payments become visible.
Plan known one-off payments ahead. Widgets complement the overview, while CSV import and export keep your entries accessible.
Private on your deviceYour data.
Your data.
Your decisions.
CanISpend.io does not connect to a bank or require a user account. Financial data is stored locally on your device. You manage any files you export.
The app contains no advertising or tracking. The amounts shown depend on your entries; the app does not move money or replace financial advice.
The idea behind CanISpend.io
A bank balance is not your spending room.
There is money in your account, but some of it is already intended for rent, groceries or the next annual bill. CanISpend.io makes that planning visible: what is already allocated, and what remains available in your current cycle?
You plan known amounts in advance. For everyday purchases, you set aside a shared budget rather than recording every receipt individually. This gives you an overview you can keep up to date with manageable effort.
How your planning worksFrom your entries
01 · Set your rhythm 02 · Plan everyday spending & savings 03 · Follow your cycle
From your entries
to a clearer overview.
Start with your payday.
Choose when your personal monthly cycle begins. Enter recurring income and fixed expenses with their amounts and dates. Your plan follows your daily life.
Give your money a purpose.
Set aside an amount for groceries, leisure or a savings goal, for example. Known irregular expenses and one-off payments complete your plan. Automatic reserves take upcoming costs into account.
Keep upcoming expenses in view.
The overview shows the available remainder, how your money is allocated and expenses still outstanding. Adjust entries when things change. Widgets bring key figures to your Home Screen.
A simple worked example€2,400 in your account.
€2,400 in your account.
€650 left in your plan.
In this simplified example, €2,400 of planned income is reduced by €1,100 in fixed costs, €450 for everyday spending & savings, and €200 in reserves. That leaves €650 for the cycle.
The €650 is a planning figure based on these entries. Further known payments or changed amounts will affect it. Future income is shown separately in the app so you can distinguish it from income already available.
Fictional example for illustration. No personal financial data and no forecast of your actual account balance.
Your plan stays with youDeliberately simple.
Deliberately simple.
Kept up to date by you.
You know your amounts.
CanISpend.io does not read a bank account. You decide which income, expenses and reserves belong in your plan. The overview is as current as your entries.
An overview on the go.
For iPhone and iPad, with widgets and CSV import and export. Import replaces existing app data, so export important entries as a backup first.
In your language.
Available in German, English (US, UK and Canada), French, Spanish, Japanese and Simplified Chinese. You can adjust language, currency and appearance in the app.