Bill Organizer: Safe to Spend
Enter your fixed costs and subscriptions once. See exactly what you can safely spend this month. No bank linking — everything stays on your device.
Fixed costs and subscriptions creep. Rent, insurance, phone, utilities. Streaming, music, cloud storage, work tools you pay for every month. Each one is small. Together, they quietly erase your sense of what you can actually spend this month.
Amaru brings your fixed costs and subscriptions into one place and turns them into a single number: what you can safely spend.
ONE NUMBER
Enter your monthly income, fixed costs, savings goal, and any yearly payments. Amaru calculates your Safe to Spend amount — the number that matters. Yearly charges like car insurance or an annual subscription are automatically converted into a monthly reserve, so one heavy month never comes as a surprise.
PLANNED COSTS AND CHECK-IN
See upcoming fixed costs and annual charges on a calendar. Planned dates advance automatically, so payment confirmation is never required. A short weekly check-in keeps your forecast current without daily tracking. If you want it, optional due-date tracking adds paid, overdue, and per-payment reminders from Settings.
REVIEW YOUR SUBSCRIPTIONS
Sort each subscription into Keep, Review later, or Cancelled. Save a cancellation link if you have one, so future you doesn't have to search for it. See how much monthly room you'd free up by cancelling what you're not sure about. Insights — the tab that shows these patterns, including how much of your income is fixed costs and which month carries the heaviest yearly payments — is free to view. Opening the Review list to sort items one by one is a Pro feature.
QUIET NOTIFICATIONS
Monthly forecast and weekly check-in reminders arrive quietly and never at night. Per-payment reminders appear only when optional due-date tracking is enabled in Settings.
PRIVACY BY DESIGN
No bank or credit card linking, ever. Everything is entered by hand and stored only on your device — nothing is sent to a server, nothing is used for analytics. Because you enter it yourself, you always know exactly what's being tracked.
FREE
Track up to 6 fixed costs and subscriptions with the full forecast and calendar. If you enable optional due-date tracking, set up to 2 payment reminders.
AMARU PRO
Unlimited fixed costs and subscriptions, a yearly view that smooths irregular payments across the year, the full Review list, CSV export, more payment reminders, and home screen widgets. Pro is available as a monthly or yearly subscription, or as a one-time purchase. Prices are shown for your App Store storefront. Subscriptions can be managed or cancelled in your App Store account settings.
Amaru isn't a daily expense tracker. It's a quiet, occasional check on the money that's supposed to be fixed — but somehow keeps growing.
AMARU · PRIVATE BY DESIGN · MADE QUIETLY IN JAPAN
Privacy Policy: https://pomeranianstudio.com/privacy
Terms of Use (EULA): https://pomeranianstudio.com/terms
Chrome-Stats does not own this Apple app. Please use these information below to contact the Apple app developer.