Set a daily spending target
Trying to spend less today? Set your own daily limit and KYL shows how much of that target is left.
KYL - Know Your Limit
Know what you can safely spend today.
KYL shows what you can safely spend today, what is left until payday, and how purchases or spending targets could affect the rest of your month.
30-day free trial · One-time unlock · No subscription
Newly launched in June 2026. Available on Android. No bank connection, no account, no ads. Try KYL for a full payday cycle.
Budgeting without the admin.
KYL helps you manage everyday spending without tracking every category, building spreadsheets, or turning your money into a second job. It gives you one clear daily number for low-maintenance budgeting between paydays.
Start with one useful question:
“Can I safely spend this today?”
Spend less, or keep money back by payday.
KYL can also help when you want to be stricter than your normal safe spending amount. Set a daily target or choose how much you want left by payday, and KYL works out what to aim for.
Aim to keep money left by payday
Choose an amount you want to keep back by payday and KYL works out a daily amount to aim for.
Track your target at a glance
KYL shows your target progress clearly, so you do not have to dig through settings to see how you are doing.
Stay realistic
KYL keeps your target separate from your normal safe spending amount, so you can see the stricter aim without losing the bigger picture.
What KYL helps with
KYL is built for real life between paydays, especially when you need a clear spending limit before you buy something.
See your safe daily amount
KYL shows what you can spend today after taking your money, bills, payday and spending into account.
Set a spending target
Choose a daily limit or an amount you want left by payday, and KYL shows what to aim for.
Check purchases first
Use KYL before spending to see how a purchase could affect the rest of your month.
Fix your balance quickly
If real life moves faster than your spending log, update KYL from your current bank balance.
How it works
Simple setup, clear daily guidance. No spreadsheets, no bank connection, no financial sermon.
1
Add payday, income and bills
Tell KYL when you are paid and what regular bills need to be covered.
2
KYL works out what is available
Your available spending money is spread across the days until payday.
3
Check your daily limit
Open KYL to see what you can safely spend today.
4
Set a target or check before buying
Set a stricter daily target, aim to keep money back, or check a purchase before you spend.
Who KYL is for
KYL is for people who want a practical way to manage day-to-day spending without turning their finances into a full-time admin job.
- You get paid and want your money to last until your next payday.
- You want to know what is safe to spend daily.
- You want bills included before you spend.
- You want to set a target and keep money back by payday.
- You dislike complicated budgeting apps.
- You want a quick check before buying something.
Simple, private and practical
KYL does not connect to your bank. You enter the information needed to calculate your daily spending limit, and you stay in control of what you add.
FAQ
Is KYL a budgeting app?
Not really. KYL is a daily spending decision tool. It focuses on helping you decide what you can safely spend today.
Does KYL connect to my bank?
No. KYL does not connect to your bank. You enter your own money, bills and spending information.
Who is KYL for?
KYL is for people who want a simpler way to manage spending between paydays.
Is KYL available on iPhone?
Not yet. KYL is available on Android, with iOS planned.
What currencies does KYL support?
KYL supports selected currencies at launch, with more planned in future updates.
Can KYL help me keep money left by payday?
Yes. You can set an amount you want to keep back by payday, and KYL will show a daily amount to aim for. This is a planning helper, not financial advice.
Can I set my own daily spending limit?
Yes. You can set a custom daily target and KYL will show how much of that target is left today.
Can KYL handle irregular income or gig work?
Yes. You can add multiple payments or extra money as it comes in, so KYL can work for weekly pay, monthly pay, gig work, side income, or irregular payments.
KYL may help if you are looking for...
People find KYL when they want a simpler way to manage everyday spending, especially between paydays. It is designed for real spending decisions, not complicated budgeting.
- A simple app to show what you can safely spend today.
- A simple spending app for payday, gig work, and irregular income.
- A budgeting app alternative without complicated charts or categories.
- A way to check if you can afford something before buying it.
- A way to set a spending target or keep money back by payday.
- A daily spending limit based on your money, bills and payday.
- A simple spending tracker that helps avoid overspending before payday.
- A private money app that does not connect to your bank.
A spending app without bank connection
KYL does not connect to your bank or ask for account access. You enter your payday, income, bills and spending yourself, so you stay in control of what the app uses.
Private by design
KYL works without an account, bank linking, online data storage or ads.
Try KYL on Android
See what you can safely spend today and make better spending decisions before payday.
Get it on Google Play