“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.

Get a true picture of your finances.

With Simple, you see your budgeting, saving, and spending all in one place: your account. Goals and Safe-to-Spend go hand in hand to help you control and understand your spending while making sure you have enough to pay the bills–and maybe even save up for something special.

Save more than you ever have, and stop wondering how much you can spend—give yourself real answers instead.

Create a Goal

Drag money between Goals and Safe-to-Spend!

Try now


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 > Homefor1,000.00

    Save over timeWe 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 Budgetfor148.00

    Save it nowWant 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.

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You can save and budget smarter.

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Learn how you'll get so much more from your financial data.