Safe to Spend explained

Safe to Spend is how much you can spend per day and still finish the month within your budgets.

Formula

Safe to Spend per day = Remaining budget ÷ Days left in month

If you have ₹3,000 remaining and 10 days left → Safe to Spend = ₹300/day.

Rules

• When a budget is already exceeded, Safe to Spend for that budget = ₹0 (never goes negative).
• Safe to Spend on the Dashboard sums across all non-exceeded budgets.

Burn Rate

Rasmerk also shows a Burn Rate indicator:

Burn Rate	Meaning
Safe	Spending ≤ 80% of expected pace
Moderate	80–100% of expected pace
Fast	100–130% of expected pace
Critical	>130% of pace, or budget exceeded

Expected pace = budget × (days elapsed ÷ total days in month).