“Current Balance” doesn't tell the whole story.

You shouldn't have to get out a calculator just to figure out if you can afford a new pair of shoes or a nice dinner out. At most banks, "Current Balance" shows you how much is in your account, but then you have to mentally deduct your upcoming rent, the groceries you're buying this week, and the gift you have to buy for your cousin's wedding.

Safe-to-Spend® does all the math for you by taking your balance and subtracting upcoming bill payments, pending transactions, and any Goals you're saving for. With Safe-to-Spend, you get a more accurate picture of what you can really spend today without hurting yourself tomorrow.


Customers who save and budget with Goals save twice as much as customers who don't.

Save money every day. Automatically.

Goals helps you balance regular monthly expenses, lifelong dreams, and everything in between.

Thanksgiving Tix ✈︎ Home

309.40 saved of 1,000.00

Save over time  — We put money aside every day, and subtract that from your Safe-to-Spend. When you're saving every day, you'll be amazed how fast you reach your Goals.

Summer Fun Budget

Save it now  — Want to make sure you only spend a certain amount on restaurants this month? Put it aside in a Goal, and slowly draw from those funds whenever you go out to eat.

What People Are Saying

External accounts is awesome! It has totally simplified transferring funds into my Simple bank account. Goals is great too as I am now more eager than ever to save money. Banking is now fun!

— Ryan S.

I've been looking forward to Goals being implemented in the Simple iPhone app and it's here! The Goals feature has made me better at saving and is the first tool to actually do so. I love my bank.

— Phil T.

Hooray, 2 CC’s paid off. Thank you @Simple goals! 3 more CC’s to go.

— Matt D.

of 100