Included with Sam
Not all of your balance
is spending money.
Some is already spoken for. Sam brings bills, income and everyday spending into one plan, so the number you start with reflects what you still need to cover.
Available to Spend
Set aside in the plan.
Not taken twice.
Before the £96 Energy bill is paid, this plan has £1,760 in the bank and £1,000 of remaining commitments. That leaves £760 available.
Mark Energy paid and the bank balance becomes £1,664. Remaining commitments drop by the same £96, to £904. Available to Spend stays £760—the bill was already allowed for.
This is a planning estimate, not money reserved by your bank. Keep the plan up to date before relying on it.
Built around your payday
Life doesn't always run
from the 1st to the 31st.
Choose weekly, fortnightly, four-weekly, monthly or a custom schedule. Sam can account for weekend and UK bank-holiday payday shifts, alongside variable income and one-off refunds.
This four-weekly example runs from 13 August to 10 September. Received income and expected income stay distinct: the extra £200 expected is in the plan, but not in today's spending room.
Browse earlier cycles, organise items with labels and keep regular commitments alongside one-off costs—without having to set a budget for every category.
Everyday insights, included
A useful number.
A little more context.
See what's been spent, which bills remain and how far you are through the cycle. Sam also puts your available money into daily and weekly terms for the days left.
Labels, cycle history and these basic insights are part of Sam. Plus adds deeper breakdowns, comparisons and interactive forecasts.
Explore the wider view with Plus
Sam is in development
Help shape what comes next.
Join for beta invitations and launch updates. No payment details, no commitment.
Join early access