It starts with cash you actually have.
Your plan begins with available balances across your accounts—not a wishful monthly budget.
THE DAILY PLAN, EXPLAINED
Spend today without
stealing from tomorrow.
Money Autopilot turns a messy stream of balances, bills, and goals into a daily spending decision you can understand.
It looks ahead to the next income event.
Upcoming bills, expected income, and planned expenses are mapped to the period before your next reliable pay date.
It protects what should not be spent.
EMIs, subscriptions, savings goals, travel, irregular expenses, and your chosen comfort buffer are reserved first.
THE TRANSPARENT BIT
Here is what the number is made of.
The point is not to make a black-box recommendation. It is to show you exactly what was held back before we call any money spendable.
See it in your daily plan →Available across accounts₹62,740
Upcoming bills & EMIs−₹20,730
Savings target & buffer−₹16,250
14 days until next salary₹1,840 safe to spend today
WHY THIS IS DIFFERENT
A budget tracks categories.
A plan protects time.
Traditional budget apps often report the past: food, travel, shopping. Those views can be useful, but they do not answer whether this ₹600 purchase makes your loan payment, Goa trip, or next week feel tight.
Money Autopilot is designed around the next decision. It is not here to shame a coffee. It is here to make the consequences of spending visible before the money leaves.
A FEW IMPORTANT DETAILS
How to use it well.
Is the safe-to-spend number a guarantee?+
No. It is a conservative estimate built from the information you provide. Keep planned bills, income, and buffers current—and leave room for surprises.
Why include a comfort buffer?+
Because a plan that reaches zero is rarely a safe plan. A buffer protects your ability to handle irregular expenses without borrowing from a future obligation.
Can I change what gets protected?+
Yes. Your savings goal, event budgets, and comfort buffer are personal choices. The calculation is intended to make those choices explicit.
PUT IT TO WORK