How much can you actually spend today?
Your bank balance doesn't tell you what you can spend
without risking your end-of-month budget.
Money Loom starts with your disposable income, deducts upcoming bills,
and shows your daily spending limit.
🔒 Financial data on your phone · 📶 Works offline · 💚 Free
🧮 Calculate your daily budget
A quick estimate based on your numbers.
Start with your disposable income
The number that matters isn't always the one on your bank screen. Part of your money is already spoken for—rent, subscriptions, bills, and other upcoming expenses.
Money Loom helps you factor in these amounts to determine what's actually available for your everyday spending.
🧮 Then Money Loom turns this into a daily benchmark
With €800 available for the month, your budget adapts based on your spending and the days remaining.
You no longer just see your balance: you have a concrete benchmark to know what you can spend today.
One simple number: your daily budget
Your budget isn't fixed at the start of the month. It evolves as you spend.
18 days left
Why is this number useful?
Because a $500 balance doesn't necessarily mean you can spend $500.
You might have upcoming bills, several days to fund, and planned expenses.
Money Loom helps you turn all this information into a much easier-to-use daily benchmark.
Love the envelope method (or cash stuffing)?
Envelopes let you split your disposable income into categories: groceries, transport, entertainment, clothes, emergencies…
But in Money Loom, envelopes aren't isolated. They can communicate with each other based on the rules you choose.
🔄 Envelopes that communicate
Overspent your Entertainment envelope? Money Loom can pull the difference from other envelopes you've authorized to fund it.
Entertainment: $30 available
Expense: $80
Shortfall: $50
Groceries → $30
Emergencies → $20
→ The $50 is found in authorized envelopes.
🛡️ What if the envelopes aren't enough?
Money Loom doesn't let you discover the problem after the fact.
If the authorized envelopes don't have enough money, the app clearly tells you the rest will be taken from your disposable income.
Why use Money Loom if your bank already has an app?
Your banking app is essential for checking your accounts, transactions, and balance.
Money Loom answers a different question: "With what I have left to pay and the days remaining, how much can I spend without putting my budget at risk?"
Money Loom doesn't replace your bank. It's an extra tool to manage your daily budget.
Everything you need to manage your budget
Money Loom stays intentionally simple: you keep control of your data and what you enter.
Overdraft shield
Your available budget is recalculated based on your situation.
Daily budget
A clear benchmark to know how much you can spend today.
Disposable income
See what's left after your bills and expenses.
Envelopes
Split your budget and let certain envelopes communicate.
Alerts
Get warned when an envelope nears its limit or an expense impacts your disposable income.
Streak
Track your consistency and stay motivated day after day.
Expense tracking
Categories, search, current month vs. previous month comparison, and monthly summary.
Export & Import
Export your data to CSV and keep control of your history.
Widget
Quickly check your budget from your home screen.
Light & Dark mode
Use the app in the theme that suits you.
Your budget stays on your phone
Money Loom requires no user account and no bank connection to manage your budget.
🔒 Your financial data
Your financial information is stored locally on your device for your use of the app.
- Income
- Expenses
- Balances
- Bills
- Categories & envelopes
- Financial history
📶 An app that works offline
No signal on the subway? Traveling? You can still check and manage your budget.
Managing your finances doesn't depend on a permanent internet connection.
Money Loom may use some anonymized statistics to improve the app, but they are never used to collect your amounts or financial history.
Money Loom is for you if…
- You want to know how much you can actually spend each day.
- You sometimes struggle to separate your available balance from money already spoken for by bills.
- You want to track your budget without connecting your bank account.
- You like the envelope method but want more flexibility.
- You want to use your budget even without an internet connection.
- You're looking for a simple, free, and transparent app.
Frequently asked questions
What is disposable income?
Disposable income is the money you have left after accounting for your bills and upcoming expenses. Money Loom uses this information to help you manage your budget.
How much can I spend per day?
Money Loom calculates a daily budget based on your situation and the days remaining. This amount updates when you add expenses.
Does Money Loom connect to my bank?
No. You enter your income, bills, and expenses yourself. No bank connection is required.
Is my financial data in the cloud?
Your financial data stays on your phone for budget management. The app is designed to work offline for your finances.
How do envelopes work?
You split your disposable income into different categories. If an envelope isn't enough, Money Loom can use other envelopes you've authorized to communicate with it. If that's still not enough, the app tells you the rest will be taken from your disposable income.
Is Money Loom free?
Yes. Money Loom is available for free, with no mandatory subscription.
Does Money Loom replace my banking app?
No. Your bank is still where you check your account and transactions. Money Loom is a complementary tool that helps you manage your budget and know what you can still spend.
Know what you can spend.
Enter your income, bills, and first expenses. Money Loom then helps you track your disposable income and budget day by day.
▶ Download Money Loom for free