How Numo works

No bank connection, no black box. Numo does simple arithmetic on the numbers you enter.

The calculation

money_available =
    current_balance
  - upcoming_bills_before_payday
  - savings_goal

safe_to_spend_today =
    money_available / days_until_payday

Every expense you log is subtracted from today's number, so you always see what is left for today.

Worked example

Current balance: $1,800
Bills before payday: $900
Savings goal: $200
Days until payday: 14

($1,800 − $900 − $200) ÷ 14 = $50 per day

This is an estimate based on the information you enter. Numo is a planning tool — it does not give investment advice and cannot guarantee you won't run out of money.

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