Dynamic Safe to Spend
A live calculation of what is truly safe to spend right now after deducting upcoming rent, scheduled bills, and savings goal reserves.
Private Treasury & Cashflow OS · Local-First
Your personal treasury. Made calm and clear.
Kaban unifies your accounts, scheduled cashflow, multi-currency vaults, and savings goals into one private, zero-noise workspace. Featuring Tala, your review-first financial companion.
100% Local-First Encryption · Zero Telemetry · Open Verification
Live Web & Mobile AppReal-time Safe to Spend ledger
01 · Private TreasuryLocal-First & Private
No telemetry, no tracking, zero selling of your data.
02 · Safe to SpendTrue Available Cash
Balances minus planned bills and savings goals.
03 · Tala CompanionReview-First Guidance
Context and insights without taking away your agency.
Interactive Experience
Experience Safe to Spend in real time.
See how Kaban protects you from surprise bills by calculating your true daily availability.
Simulate Your Month
Adjust the sliders below to see your true liquid Safe to Spend in real-time.
True Safe to Spend
$2,550
$85.00per day for next 30 days
Available Bank Funds+$4,800
Upcoming Auto-Deductions-$1,650
Committed Savings Vaults-$600
Workflow
From chaotic tabs to clear daily moves.
A steady, three-step rhythm designed to replace mental math with peace of mind.
Step 01
Capture & Local Sync
Add transactions manually in sub-milliseconds, scan physical receipts with Tala computer vision, or import bank files. Everything is encrypted locally on your device first.
Step 02
Automatic Horizon Deductions
Kaban automatically reserves funds for scheduled rent, subscriptions, utility bills, and emergency savings goals so your balance never misleads you.
Step 03
Safe-to-Spend Clarity
Glance at your single Safe to Spend number and make daily spending choices with total confidence and zero mental math.
Intelligence & Control
Built for the real physics of money.
Accounts, spending, scheduled commitments, and goals all affect the same month. Kaban connects them with zero mental math.
Treasury Wallets
Organize cash, checking, high-yield vaults, and international currencies in one unified view.
Upcoming Horizon
See scheduled bills, subscriptions, paydays, and goal contributions mapped out before they surprise you.
Tala Intelligence
Ask natural questions about your money. Tala provides clear explanations and suggestions with strict review-first guardrails.
Side-By-Side
Why a dedicated treasury workspace?
See how Kaban compares to ad-supported budgeting apps and manual spreadsheets.
| Core Capability | Kaban Treasury | Traditional Budget Apps | Spreadsheets |
|---|---|---|---|
| Dynamic Safe-to-Spend MathAutomatic deduction of upcoming commitments | Yes (Real-time) | Raw balances only | Manual formulas |
| 100% Local-First & PrivateEncrypted IndexedDB, zero ad trackers | Yes (Zero tracking) | Ad networks & data sale | Local file |
| Review-First AI Companion (Tala)Explains & drafts; never auto-transfers | Guided & guarded | No AI or black-box | None |
| Multi-Currency TreasuryReal-time conversions & multi-vault balances | USD, EUR, GBP, JPY+ | Single currency | Complex manual FX |
| Offline Resilience & SpeedSub-millisecond navigation & mutation outbox | 100% Offline PWA | Requires internet | Offline only |
Meet TalaAsk your money a better question.
A companion, not an autopilot
Context and clarity
without the lecture.
Tala helps you understand the patterns in the data you already keep in Kaban. Ask about spending trends, review upcoming commitments, or think through a new savings goal.
Review-First Guarantee:
Tala explains, calculates, and drafts suggestions. She never moves funds, alters accounts, or executes financial changes without your explicit review and confirmation.
Explore Tala Companion Tala explains, calculates, and drafts suggestions. She never moves funds, alters accounts, or executes financial changes without your explicit review and confirmation.
Privacy By Design
Your financial privacy is non-negotiable.
Kaban is engineered from the ground up as a private personal sanctuary for your money.
Local-First Storage
Your treasury data lives on your device first in encrypted IndexedDB for instant sub-millisecond loads.
Zero Telemetry Or Ads
No ad trackers, no pixel analytics, and zero selling of your financial records to data brokers.
Transactional Integrity
PostgreSQL row-level security and atomic transactions ensure your balance math never drifts.
Stories from the community
A calmer relationship with money.
How people use Kaban to replace anxiety and spreadsheets with clarity and confidence.
Early Access Cohort
We are inviting early users to share their experiences. If Kaban has given you more breathing room with your finances, we would love to feature your story.
Share your storyQuick Answers
Frequently Asked Questions
Search clear answers about how Kaban calculates Safe to Spend and protects your financial privacy.
How does Safe to Spend work?
Safe to Spend calculates your true available spending cash by taking your liquid bank balances and automatically subtracting upcoming scheduled rent, subscription auto-pays, bills, and emergency savings allocations.
Is my financial data kept private?
Yes. Kaban is architected with a local-first encrypted storage layer on your device. We do not sell your financial data, run advertisement trackers, or monetize your transaction history.
How does the Tala companion assist me?
Tala analyzes receipts via computer vision, highlights spending trends, and answers natural language financial questions. She operates under strict review-first boundaries—explaining and proposing drafts, but never making changes without your explicit approval.
Can I use Kaban offline?
Yes. Kaban is built as an offline-first Progressive Web App (PWA). You can log transactions and review your accounts with zero network connectivity; changes queue safely and sync when you return online.
What happens when an unexpected expense occurs?
Safe to Spend dynamically recalibrates your daily spending limit across the remaining days of the month, showing you exactly how to adjust without falling into overdraft.
Do I have to link my real bank credentials?
No. You can use Kaban entirely through manual entry, receipt scanning, or CSV statement imports. We never force Plaid or credential aggregation.
Join the Private Beta
What would make your money feel calmer?
Take a short 2-minute survey to shape upcoming features. No bank logins, no credit card required, zero sensitive financial questions.
