Know what you can safely spend today

Your bank shows a balance that already belongs to rent, subscriptions and bills. Dzing reserves what's spoken for, adds the income you're expecting, and gives you one honest number: Safe to Spend.

How it works

Your bank shows a balance. It never shows what's already spoken for

Your balance is lying to you?

The number in your account still owes rent, subscriptions and next month's bills. Spend it and you break a plan you forgot you made.

Rich on payday, broke by month-end?

Without reserving future costs, every balance looks bigger than it is. That false sense of wealth is exactly what drains the account.

All your money in one blurry pile?

Personal, side project and family expenses mixed together. You can't tell which one actually makes money and which one quietly bleeds.

How Safe to Spend works: a budgeting app built for irregular income

Actual balance − reserved future payments + expected income = Safe to Spend

Your bank shows one number that already owes rent, subscriptions and next month's bills. Dzing reserves what's committed, adds the income you're realistically expecting, and shows the one figure you can spend today without breaking a plan — and every number is tappable down to its full breakdown, so there are no magic totals.

Burn rate for freelancers, founders and side projects

See the monthly burn rate of every space, track recurring subscriptions and planned bills, and project your closing balance month by month. It's a multi-currency expense tracker for people whose money doesn't live in a single country.

Learn the method

Dzing doesn't guess. It shows the math behind every number

Safe to Spend

Spaces & Accounts

Separate contexts — Personal, Startup, Family — each with its own accounts, plans and analytics. A space's balance is the sum of its accounts, and money never leaks between them.

Every number has a breakdown

Safe to Spend is Actual minus reserved bills plus expected income. Tap any figure and Dzing shows the formula behind it — no magic totals, ever.

Plans, budgets & goals

Track subscriptions and income, see the monthly burn rate for each space, cap spending per category, and save toward goals with automatic sinking funds. Dzing projects your closing balance month by month.

Multi-currency, everywhere

Every account keeps its own currency and rolls up through live exchange rates. iOS, Android, web and desktop — fully synced, works offline, and updates the moment you're back online.

Simple pricing tiers
Find your pace

Free

Everything you need to see your real balance

✓ 1 Space
✓ Unlimited accounts & transactions
✓ Actual & Safe to Spend balance
✓ Categories & subcategories
✓ Manual multi-currency
✓ Transfers between accounts
✓ Sync across all devices

Questions you might have

Dzing is a budgeting app built around one idea: instead of showing how much money is in your account, it shows how much you can safely spend today without breaking future plans. It gives you two numbers — your Actual balance and your Safe to Spend.

Safe to Spend is your Actual balance minus the future payments you've reserved (bills, subscriptions, planned expenses) plus the income you expect this period. Every figure comes with a breakdown, so you always see the formula — no magic numbers.

A Space is an isolated context — Personal, Startup, Family, anything. Each Space has its own accounts, plans, budgets and analytics, and money never mixes between them. That's how you finally see which project makes money and which one quietly loses it.

Yes. Every account keeps its own currency and rolls up through exchange rates. Dzing works on iOS, Android, web and desktop, stays available offline, and syncs automatically the moment you reconnect.

Yes. The Free plan gives you one Space, unlimited accounts and transactions, the dual Actual and Safe to Spend balance, categories and cross-device sync. Premium unlocks unlimited Spaces, planned bills, projections, budgets and goals.

Ready to know what you can
safely spend?

First 50 users get premium plus 60% discount