Start with known money
Enter the income you have and the bills that must be protected. Avoid planning future money as though it has already arrived.
Plan by date
Use planned payments and a safe-to-spend view around payday or paycheck dates instead of relying only on a monthly average.
Build a buffer
A savings goal and a cash buffer can reduce pressure when income is late or lower than expected.
Check the workflow before choosing
Try one full pay cycle with a starting balance, upcoming bills and a goal. Record a purchase, then check whether you understand the changed spending estimate. Headway’s screenshot uses demonstration data and does not show another app’s interface.
Read the safe-to-spend method, check the privacy checklist and explore Headway’s iPhone workflow.
Comparisons are written by Headway’s maker from current product information, not independent reviews. Read our editorial and corrections policy.