How much can you actually spend today without going over budget?
Your bank balance tells you how much is in your account.
Money Loom goes further:
the app turns your disposable income into a daily budget.
You know exactly how much you can actually use,
taking into account your upcoming bills and expenses.
🔒 Your finances stay on your phone · 📶 Works offline · 💚 Free
What is disposable income?
Disposable income is the money you actually have available once your income and planned expenses are taken into account.
That's an important difference from the simple balance shown by your bank. Your account might show several hundred dollars while several bills still need to be paid.
The amount actually available for your daily expenses is therefore different from the balance shown on your account.
Money Loom uses this principle to give you much more concrete information: how much can you reasonably spend right now?
Example: your account shows $1,200
You might think you have $1,200 to spend. But several bills still need to be taken into account.
So it's not simply:
"I have $1,200 in my account."
The question becomes:
"How much can I spend today
without jeopardizing the rest of the month?"
How Money Loom turns your disposable income into a daily budget
Money Loom doesn't try to replace your bank. It gives you different information: your spending margin.
📥 Enter your income
Input your income and the elements that determine your month's budget.
📅 Add your bills
As a lump sum or in more detail: rent, subscriptions, insurance, loans, and other upcoming payments.
🛡️ Discover your margin
Money Loom calculates what's left and helps you know how much you can spend each day.
Your budget evolves with your expenses
The daily budget isn't a fixed number. When you add an expense, Money Loom updates your situation.
You spend $20 today? Your disposable income decreases. The amount available for the following days is then recalculated based on your new situation.
💡 The goal isn't to tell you what to spend
Money Loom doesn't impose a budget on you. The app gives you clear information so you can decide with full knowledge.
You stay free to spend more today, less tomorrow, or change your allocation. The app simply shows you the consequences on your available budget.
💌 What about envelopes?
Envelopes aren't the starting point of Money Loom. They come on top of your disposable income to help you allocate your money between different categories.
Your disposable income is your overall margin. Envelopes then let you decide how to use that margin: groceries, gas, entertainment, clothes, emergencies…
And when you want to increase an envelope, Money Loom first checks if the amount can be taken from other envelopes.
If you allow it, envelopes can work like communicating vessels: you choose which envelopes can supply the needed amount.
If the other envelopes aren't enough, Money Loom warns you that the rest will be taken from your disposable income.
You stay in control of every transfer.
A reminder before you exceed your envelopes
Envelopes aren't just for categorizing your expenses. You can also set an alert threshold.
For example, you create an envelope of $100 with a reminder at $20 left.
When your envelope drops to $20, Money Loom warns you.
Example
💵 Envelope: $100
🔔 Alert threshold: $20
You've spent $80. $20 is left.
👉 Money Loom then displays a reminder to tell you you're approaching the limit.
More than just a budget calculator
Disposable income and daily budget are at the heart of Money Loom. But the app also brings together the tools you need to track your budget every day.
Overdraft shield
See your available budget after bills and expenses are taken into account.
Disposable income
Know what you actually have left to use.
Daily budget
A simple number to know your daily margin.
Envelopes
Split your disposable income between the categories that matter to you.
Envelope reminders
Get notified when the remaining amount approaches the threshold you set.
Expense tracking
View your expenses, the current month vs. previous month comparison, and your monthly summary.
Savings goal
Set a goal and visualize your progress.
Import & export
Export your data to CSV or import it whenever you want.
Why use Money Loom if you already have your banking app?
Your banking app is essential for checking your account and making transactions. Money Loom isn't meant to replace it.
The role is different. Your bank shows you, among other things, your balance and transactions. Money Loom helps you answer a different question:
"How much can I spend now without compromising my budget?"
That's the decision margin Money Loom tries to make visible.
And for that, you don't need to give a third-party app access to your accounts. You enter the necessary information yourself.
It's intentionally manual: you choose what you record.
🔒 Your budget stays on your phone
Money Loom is designed to work without a bank connection and without relying on a cloud to store your budget.
- No bank account to connect.
- No Internet needed to view and manage your budget.
- Your financial data stays on your phone.
- You can export your data.
You keep control of your financial information.
Frequently asked questions about disposable income
What is disposable income?
Disposable income is the money you actually have available after taking into account your income, expenses, bills, and already planned expenses.
What's the difference between bank balance and disposable income?
Your bank balance shows what's in your account at a given moment. Disposable income rather tries to determine what's actually available after expenses and bills that still need to be taken into account.
How do I know how much I can spend per day?
Money Loom uses your budget situation and the number of days remaining to give you an indicative daily amount. This amount changes when your situation changes.
Does Money Loom connect to my bank?
No. You enter your income, bills, and expenses yourself. Money Loom therefore doesn't need to access your bank accounts.
Can I use Money Loom without Internet?
Yes. Budget-related functions are designed to stay available offline.
Does the daily budget always stay the same?
No. Your expenses change your situation. Money Loom therefore recalculates your available budget based on the information you enter.
Are envelopes required?
No. Disposable income and daily budget are at the core of how it works. Envelopes are an additional tool for allocating your budget between different categories.
Is Money Loom free?
Yes. Money Loom is offered for free, with no mandatory subscription and no premium version required to use the main features.
Stop guessing how much you can spend.
Enter your income, bills, and expenses. Money Loom helps you turn your disposable income into a clear budget for every day.
▶ Download for free on Google Play