Know what your business may be safe to spend.
Safe to Spend separates selected business cash from the estimated tax, VAT, commitments and safety buffer you choose to protect—giving you a clearer planning figure before you spend.
No card needed. Takes under 60 seconds.
- Today, Protected and Conservative views
- Balance source, date and confidence shown
- Potential shortfalls shown without shame-based language
- Sole-trader calculation methodology versioned
How Safe to Spend works
- Choose which business cash balances to include.
- Review the tax or VAT reserves relevant to your records.
- Add upcoming commitments and an optional safety buffer.
- Review the result alongside its source dates, assumptions and missing information.
Why cash planning needs context
A current account balance can include money already intended for tax, supplier bills, payroll or other commitments. Safe to Spend keeps those choices visible instead of presenting the whole balance as freely available.
You can compare different scenarios without changing your bookkeeping records or moving money between accounts.
Cash flow planning software for sole traders and small businesses
LedgerlyPro combines current bookkeeping records with the reserves and commitments you select. This helps UK sole traders, freelancers and small businesses review cash flow before purchases, withdrawals or upcoming bills.
Each result shows its balance source, calculation date and assumptions so you can understand why the estimate changed and update incomplete information.
What this means inside LedgerlyPro
Upload or record transactions, review their categories, choose the balance source you want to use, then set the tax, VAT, commitment and buffer amounts you want protected. LedgerlyPro shows the calculation inputs beside the result so the estimate can be checked and updated.
See Controlled Statement Import · View the £9.99 plan
Important information
Safe to Spend is an estimate based on the balances, records, settings and assumptions currently available in LedgerlyPro. It is not your bank balance, final tax bill or financial advice. LedgerlyPro does not move or restrict your money.
Frequently asked questions
What does Safe to Spend mean?
Safe to Spend is a planning estimate of selected business cash remaining after the reserves, commitments and safety buffer you choose to protect.
Is Safe to Spend the same as my bank balance?
No. It is a separate planning figure based on the balances and settings available in LedgerlyPro.
Does LedgerlyPro move or lock my money?
No. LedgerlyPro does not move, freeze or restrict money. You remain in control of every account and payment.
Is the tax reserve my final HMRC bill?
No. It is an estimate for planning and can change when records, income, allowances, reliefs or payments change.
Can Safe to Spend help with small-business cash flow planning?
Yes. It brings selected cash balances, estimated reserves, upcoming commitments and a chosen buffer into one reviewable planning estimate. It does not move money or replace professional advice.
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