Docs · CASH
Safe to Spend
Safe to spend subtracts known obligations from your available balance so you see discretionary cash, not just account totals. Configure payday, savings earmarks, and a buffer for realistic daily decisions.
CASHHow it works
- Connect accounts - MizuAlign reads current available balances from Plaid.
- Upcoming bills and recurring charges before your next payday are reserved automatically.
- Active savings goals and your optional buffer reduce the headline number further.
- The dashboard widget and cash flow page show the breakdown so nothing is a black box.
Key capabilities
- Formula: balance − upcoming bills − savings contributions − buffer
- Pay-period aware when you set your next pay date
- Manual upcoming expenses for one-off obligations
- Weekly recap and AI assistant can cite your safe-to-spend figure
- Balance alerts when projected cash drops below your threshold
Best for
- Households deciding whether a purchase fits this pay cycle
- Freelancers with irregular income and fixed bill dates
- Anyone who wants “can I afford this?” answered with real numbers