Wysh: Safe to Spend

Your bank balance lies. It shows what's in the account, not what's already promised to rent, instalments, subscriptions and the bills that simply haven't arrived yet.

Wysh does the subtraction for you.

SAFE TO SPEND

Open the app and Today shows what's genuinely free to spend, right beside your cash and what's reserved. Wysh starts from your cash, sets aside everything committed before your next payday, protects the cash buffer you chose, and shows you what's left. No guessing, no mental arithmetic at the till.

KNOW WHAT'S COMING, AND WHAT'S LATE

A running timeline of what's due and when: rent, instalments, subscriptions, loan payments. Nothing lands as a surprise. Record a payment and your position updates immediately. Pay a bill in parts and what's still owed stays reserved. A bill that has passed its date shows as overdue and is held back from what you can spend until you pay it or skip it.

PAYMENT REMINDERS

Optional reminders a week before something is due, and again if it's still unpaid. They are created on your iPhone. Nothing goes through a server.

BUILT FOR REAL DEBT (PREMIUM)

Most finance apps treat a loan as one number. Wysh models it properly: amortising, flat-rate and interest-free structures, with the interest and principal split out for every instalment. Flat-rate finance is the norm for cars and consumer credit across much of the world, and it produces very different numbers from a declining-balance loan. Wysh gets that right.

YOUR DATA STAYS YOURS

Wysh is local-first. Your financial information lives on your iPhone. There is no Wysh account to create, no server to trust, no advertising, and no tracking. Lock the app with Face ID or your passcode if you like, and reminders then leave amounts off your lock screen.

Back up to your own private iCloud whenever you choose and restore just as easily, or export a complete copy or a spreadsheet of your transactions to take elsewhere. Backup, restore and export are free, always. We will never charge you to protect or recover your own records.

ANY CURRENCY, HONESTLY HANDLED

Pick from any of the world's currencies. Wysh never invents an exchange rate: if you hold money in more than one currency, it tells you plainly which records are excluded from a total rather than quietly adding numbers that don't belong together.

WYSH PREMIUM

Free covers the heart of it: safe to spend, your accounts and transactions, recurring bills and reminders, one goal, one budget, an app lock, and iCloud backup and export.

Premium adds the planning:

• A 12-month forecast across conservative, expected and strong scenarios

• What If: test a decision without touching your real data

• Affordability: see whether a purchase fits without risking your bills or your buffer

• Unlimited goals and budgets

• Adding loans, with full amortisation schedules, extra-payment what-ifs, and the interest you'd save

• Import from bank messages and statement files

• Net-worth history, allocation and a yearly dashboard

• A financial assistant and financial-health insights

Wysh Premium is an auto-renewing subscription, Monthly or Annual. Annual includes a 7-day free trial for eligible new subscribers. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Everything you've already entered stays visible and editable if it ever lapses. Wysh gates features, never your own records.

A NOTE ON WHAT WYSH ISN'T

Wysh is a planning tool, not a financial adviser, bank or lender. It doesn't connect to your bank. Every figure it shows is calculated from information you enter, using assumptions you can see and change. Forecasts are projections, not promises.

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Privacy Policy: https://wysh.pages.dev/privacy/