Personal finance
Qadence tells you how much you can safely spend today, this month, and this year — without crossing the wealth floor you set for yourself.
Your data never leaves this device. No accounts, no cloud, no tracking.
Safe to spend this month
$4,800
Today
$160
Runway
18 mo
Net worth comfortably above your floor.
How it works
Tell Qadence the minimum net worth you'll never touch. Not an emergency fund — a hard rule you set for yourself.
Your net worth across accounts, monthly income, and average expenses. Everything stays on your device, always.
Qadence calculates exactly how much you can spend today and this month, accounting for your floor, runway, and projections.
What Qadence does
Not a budget. A number. Calculated from your actual wealth position, income, and the floor you've set — updated every day.
$160 today
Wondering if you can afford something? Type in any amount. Qadence answers clearly — no guilt, no guessing.
Your data never leaves this device. Everything is stored locally in your browser — no accounts, no cloud, no tracking. Back up and restore anytime.
Set up in under two minutes. No sign-up required.
Free · No account needed · Works offline