Can I afford it?
Answers come from your real cash flow, upcoming bills, and rules — not vibes.
9 AI messages left
AI messages1 of 10 used this month
9 AI messages left this month — the verdict math itself never counts against your allowance.
How Bearing decides
Safe-to-spend
Cash on hand minus upcoming bills, planned savings, and a cushion — spread across the days until payday.
30-day forecast
Your balance projected day by day through paydays and bills, so a purchase never causes a surprise dip below zero.
Budget & rules
The category's remaining budget and any spending rules you've set are checked before the verdict is written.