SIBI

SIBI — Should I Buy It? — came from those moments at the checkout when you're doing mental maths and hoping the numbers work out. I wanted something that could give me a real answer instead of a gut feeling. Enter your income, bills and the money you actually have available — cash, debit or credit — and SIBI works out how much you can safely spend each day, what's coming up before payday, and how long your money would last if your income suddenly stopped.

Thinking about buying something? SIBI checks the price against your entire financial picture. If it fits comfortably within your spare money, it's a yes. If you'd need to cut back elsewhere, you'll get a warning. And if it puts your emergency savings at risk, it's a no. Buying something on finance? The down payment is checked against today's budget, while the monthly installments are factored into your future spending. Existing loans and credit card balances count, too.

Your budget isn't just a snapshot — it changes as you spend, earn and pay bills. Bills stay pending until you approve or skip them, purchases are saved like receipts, and wishlist items get checked again whenever your financial situation changes. There's also a cash-flow calendar, a sandbox for trying out different scenarios, savings goals and a monthly report to help you see where your money went.

The thing I'm most particular about is privacy: the server never sees your financial data. Everything is encrypted right in your browser before it's sent anywhere. If you forget your password, there's no way to recover the data — and that's intentional. You can also try the app in demo mode without creating an account.