You’re checking balances, mental maths, and three different apps — and still not sure what’s actually okay to spend this week.
Built for messy money, not perfect budgets
See what’s safe to spend, even when your income jumps around.
Fortaly shows you one clear safe-to-spend number after income, bills, debt, and savings — so you can stop guessing, avoid late fees, and feel calmer about everyday spending.
Designed for
freelancers & solo earners
Helps you avoid
overdrafts & late fees
Takes about
2–3 minutes a week
No bank passwords. No card required to start. Just a clearer way to see what’s actually safe to spend.
Mobile demo
See the real product before you sign up or share any bank details.
Some months are great, others are tight, and it only takes one forgotten bill to send everything sideways.
You end up managing categories, charts, and “rules” instead of getting a simple answer you can use right now.
Why Fortaly exists
Built from “I’m smart, but my money still feels like chaos.”
Fortaly started from the same place many people are in now: late payments, rising debt, irregular income, and no quick way to tell what was actually safe to spend without making things worse.
Not “I’m bad with money” — but “nobody ever showed me a clear, simple way to see what’s safe after everything else is covered.”
Endless categories, graphs, and setup, when you actually need one number and a few clear next steps.
Give you a calm, trustworthy safe-to-spend number that updates as your real life changes — without shaming or jargon.
How it works
From chaos to clear in three simple steps.
No spreadsheets, no complicated rules. Just the key numbers that decide what’s safe and what isn’t.
Add income and regular bills
Start with what’s coming in and what absolutely has to be paid — rent, utilities, debt payments, subscriptions, and essentials.
Let Fortaly work out safe-to-spend
Fortaly calculates a single safe-to-spend amount for this week, after bills, minimum debt payments, and savings targets.
Check in weekly and adjust
Spend a couple of minutes each week updating income and bills so your safe-to-spend number stays honest and you stay ahead.
Desktop dashboard
The bigger picture when you want it.
Use your phone for quick safe-to-spend checks, and your desktop for trends, goals, recurring bills, and debt pressure — all in one place.
Overview
£420 safe to spend
Income this period
£1,250
Bills committed
£610
Savings & buffers
£84
Why it feels calmer
Simpler than budgeting apps. Kinder than spreadsheets.
Fortaly doesn’t try to turn you into a finance expert. It just gives you a number and a plan you can trust on your most stressful weeks.
See a single safe-to-spend number instead of juggling balances, mental maths, and guesswork.
No jargon, no shame. Just clear labels and explanations that make sense when your money feels messy.
Update what’s coming in and what’s going out, and let Fortaly adjust your safe-to-spend as things change.
What people get from it
“I finally know what’s safe, instead of hoping it’ll be fine.”
Fortaly is for people who don’t want another finance hobby — they just want to stop being blindsided by bills and overdrafts.
“Checking my safe-to-spend in Fortaly feels calmer than checking my bank app. I actually know the number is honest.”
Calmer check‑ins“Irregular income used to make me panic. Now I can see if a slow month is survivable before things go wrong.”
Less panic on slow months“It stopped me from ‘accidentally’ spending money that was already spoken for by bills and debt.”
Fewer expensive surprisesSimple pricing
Cost less than one overdraft or late fee.
Fortaly is designed to pay for itself by helping you avoid even a single missed payment or overdraft dip.
£0 forever
- Core safe-to-spend number
- Manual income & recurring bills
- Basic “what’s due soon” view
- 1 savings or buffer goal
£6 per month
or £60/year (save 2 months)
- Everything in Free, plus:
- Unlimited goals
- Debt tracking & payoff progress
- Weekly & monthly analytics
- Email support
£10 per month
or £100/year
- Everything in Plus, plus:
- Advanced analytics & scenarios
- Priority support & onboarding
- Early access to new features
No card required to start. Cancel anytime from your settings.
Built to feel safe
Your data stays yours. No ads, no selling.
Fortaly is funded by subscriptions, not advertising. We don’t sell your data or use it to target you elsewhere.
Your data is encrypted in transit and at rest, and hosted on secure UK/EU infrastructure that respects your privacy rights.
Start with manual entry. Decide what to connect, what to track, and when to delete your data completely.
FAQ
Questions people ask before trying Fortaly.
Do I need to connect my bank?
No. Fortaly starts with manual entry so you stay fully in control. Bank connections may come later, but they’re not required to get value.
Is this just another budgeting app?
Not really. Budgeting apps focus on categories and strict plans. Fortaly focuses on one thing: what you can safely spend after bills, debt, and savings.
What if I’m already behind?
Fortaly can’t fix debt on its own, but it can stop things from silently getting worse by making upcoming bills, minimum payments, and safe-to-spend impossible to ignore.
Does it work with irregular income?
Yes. Just update your expected income and bills for the period you’re planning. Your safe-to-spend number adjusts when things change.
Is there a free version?
Yes. You can stay on the Free plan as long as you like. Paid plans add more structure, analytics, and support when you’re ready.
How do I cancel?
You can cancel at any time from your settings. Your account drops back to the free plan at the end of your billing period.
Ready when you are
Get clear on what you can safely spend this week.
Start with the number that matters most, then use the dashboard when you want deeper control over bills, debt, and cash flow.