Stop guessing
what you can spend.
Your bank balance includes money that's already spoken for — rent, subscriptions, savings. Tempo calculates your Safe-to-Spend — the real amount you can freely use right now, after every obligation is accounted for.
Free for 34 days — no credit card required · Read-only bank access, your credentials are never stored
Safe to Spend Today
Updated just now$847
Next bill: Netflix $17 · in 3 days
Your bank balance is lying to you.
That number you see includes money that's already spoken for. Rent. Car payment. Subscriptions. Savings transfers. Your “available balance” is an illusion — and spending from it is how people end up broke the day before payday.
- You see $2,350 in your account
- You spend $600 on a weekend trip
- Rent hits. Then car insurance. Then streaming.
- You scramble to cover what you thought you had
- Tempo shows your Safe-to-Spend: $847
- You spend $600 — knowing it's safe
- Rent, insurance, and subscriptions are already factored in
- No surprises. No scrambling. No guilt.
Up and running in under 5 minutes
No spreadsheets. No manual data entry. No financial degree required.
Connect your bank
Link your checking and savings accounts in seconds via Teller. Read-only access — Tempo can see your transactions but can never move money.
Set your bills & goals
Tell Tempo about your recurring bills, subscriptions, savings targets, and the safety buffer you want to keep. Takes about two minutes.
Know your Safe-to-Spend
Tempo calculates the exact amount you can spend freely right now. It updates every day — and every time a new transaction comes in.
One number. Total clarity.
Tempo is built for one job: telling you exactly how much you can spend right now — and keeping you there.
Always know your real spendable balance
Tempo's Safe-to-Spend Engine deducts every upcoming bill, savings contribution, and your personal safety buffer from your account balance — in real time. Check it any time. It's always accurate.
- Recalculated every time a transaction comes in
- Accounts for bills due in the next 30 days
- Personal safety buffer keeps you from cutting it too close
Safe to Spend
$847
Never get caught off guard by a bill
Every recurring bill, subscription, and paycheck is tracked and forecasted 30 days ahead. You'll see exactly what's coming — and when — before it hits your account.
Plain-English spending summaries
Claude AI analyzes your transaction history and surfaces patterns you'd never spot manually — so you can make smarter decisions without crunching numbers yourself.
Your bank, synced automatically
Connect accounts securely via Teller. Transactions appear in Tempo automatically — no CSV uploads, no manual entry, no stale data.
Built for households & couples
Share access with a partner and manage your finances together. See one combined Safe-to-Spend across shared accounts — no more financial surprises between partners.
The spend-check: your instant gut-check
Wondering if you can afford something? Run a spend-check. Tempo shows you exactly how a purchase would affect your Safe-to-Spend — before you swipe.
Save first, spend what's left
Set savings targets and Tempo deducts them from your Safe-to-Spend automatically — so you hit your goals every month without having to think about it.
Simple, honest pricing
Try everything free for 34 days — no credit card required.
after your free trial · less than a coffee a week
34-day free trial — here's why
Most apps give you 14 days. We give you 34 — enough time to experience Tempo through at least one complete pay cycle, so you can make a real decision.
- Safe-to-Spend calculation
- Bill & income tracking
- 30-day cash flow forecast
- AI-powered spending insights
- Real-time bank sync via Teller
- Household / partner sharing
- Spend-check decision tool
- Cancel anytime
No credit card required · Cancel anytime
Questions? Answered.
Everything you need to know before you sign up.
Tempo connects to thousands of US banks and credit unions via Teller, including Chase, Bank of America, Wells Fargo, Citibank, US Bank, and many more. If your bank supports online banking, it's very likely supported. You'll see your specific bank during setup.
Yes. Tempo uses Teller for bank connectivity — an institutional-grade provider that uses read-only access. That means Tempo can see your transactions, but it cannot move money, make transfers, or take any action on your account. Your bank credentials are never stored by Tempo.
Because 14 days isn't enough to actually evaluate a personal finance app. Most people get paid every 2 weeks or monthly. We give you 34 days so you can experience Tempo through at least one complete pay cycle — see your bills hit, your savings transfer, and your Safe-to-Spend recalculate in real life. Then you can make a real decision.
After 34 days you'll be prompted to add a payment method to continue at $9/month. Your data is never deleted — if you decide not to subscribe, you can export everything. If you subscribe and later want to cancel, you can do so instantly from your account settings.
The spend-check is a quick decision tool built into Tempo. Before making a purchase, you can run a spend-check for any amount — Tempo will show you exactly how that purchase would affect your Safe-to-Spend and whether it's safe to spend right now. Think of it as a real-time gut-check before you swipe.
Yes. Tempo supports household sharing so partners can see the same Safe-to-Spend across shared accounts. You can invite a partner from your account settings. Each person gets their own login and can view the shared dashboard together.
Ready to stop guessing?
See your Safe-to-Spend in minutes. Free for 34 days — no credit card, no spreadsheets, no guessing.