Dzing

Dzing answers one question: what can you actually afford to spend right now without breaking the plans you made for next month? Most budgeting apps show your account balance. Dzing computes a different number, called Safe to Spend. The formula is straightforward: take your actual balance, subtract the money you've already committed to bills and subscriptions, add any income you're expecting this period, and the result is your Safe to Spend amount. Your bank shows what's in the account. It never shows what's already spoken for. That gap between the two is where most people overspend, living paycheck to paycheck even when the account looks comfortable. The balance can look larger than what's really available once rent, insurance, and subscriptions are accounted for. Knowing the true Safe to Spend number prevents that mistake.

The app runs on iOS, Android, web, and desktop, and it stays in sync across all platforms. You enter transactions manually, there is no bank connection, which means you maintain complete control over how each purchase gets categorized. Every transaction is yours to categorize or reclassify as you learn your own patterns. The Free plan lets you start with one Space, unlimited accounts within that space, and unlimited transactions. A Space is Dzing's term for a separate financial context. You might create a Personal space for household expenses, a Startup space for a business or side project, and a Family space for shared household finances. Each Space has its own accounts, budgets, and analytics. Money never mixes between them. That separation is the reason to use Spaces at all. You can finally see which project actually makes money and which one quietly loses it. A freelancer running a side project can track whether the business actually profits or whether it just looks profitable when mixed into household money. This level of segregation is not common in budgeting apps and is a genuine advantage for people managing multiple financial lives.

The Free tier includes everything needed to see where your money goes and compute a safe spending number. You get the dual Actual and Safe to Spend balance view, the ability to create and track categories and subcategories, manual entry of transactions in multiple currencies, and transfers between your own accounts. You also get cross-device sync so your budget appears current everywhere you use it. Dzing does not hide that formula behind a paywall, which is a deliberate choice reflecting the founder's belief that the core feature should be free and accessible to everyone. The Free tier is genuinely complete for someone managing a single financial context with no complex income planning or multiple project tracking.

Premium costs $9 per month and unlocks unlimited Spaces, so you can separate as many financial contexts as you want. You can add planned income and planned expenses that Dzing automatically reserves against your current balance. The app calculates and displays your monthly burn rate (how much a space spends per month on average) and projects your closing balance month by month. Premium lets you set and track goals with automatic sinking funds, a savings feature that sets aside money each month toward a specific target, whether that is a holiday fund, a car repair budget, or a vacation. Premium also supplies live exchange rates for multi-currency accounts and full transaction history and statistics with no time limit. For people managing multiple money streams, the burn rate and projection features tell a story the balance alone cannot.

Premium Plus costs $20 per month and adds features for founders and people managing multiple projects or complex finances. You get ROI and profit-and-loss reporting per space, so a startup or side business shows whether it is actually profitable. The advanced projection dashboard lets you model more complex scenarios and what-ifs. You can set custom reserve rules and amortization schedules for assets or debt. You get unlimited export of your data so you can analyze it in a spreadsheet or share it with an accountant or financial advisor. Priority support comes with the tier so you reach the team directly.

Dzing works fully offline and never needs to sync with your bank, so there is no risk of a broken connection between the app and your institution. You can use it anywhere, on a plane, in a country without cell service, in areas where connectivity is spotty or unreliable. Manual entry demands more active participation than an app that imports every swipe from your debit card, but it also means you pay attention to every purchase, which helps you notice spending patterns and feel more in control of your money. People who struggle with overspending sometimes find that deliberate act of logging each purchase clarifies where the money actually goes and creates intention where there was only habit.

The product has not yet launched. The site invites early members to sign up for early access, offering the first 50 users Premium Plus at a 60 percent discount once the product launches. Pricing will be as described above when Dzing goes live. Until then, you can only join the waitlist and watch for the launch announcement. This is an opportunity to get in at the ground level.

Dzing is strongest for someone who wants to know exactly what they can safely spend today without breaking a plan they made for next month. The Safe to Spend number is the whole value proposition, and it is elegant and effective for real-world spending discipline. It is particularly useful for people managing multiple financial contexts, a personal household and a side business, or a family's shared budget and an individual's personal discretionary fund. A side hustle operator can finally see whether each project actually pays after accounting for overhead and operational costs. The multi-currency support and live exchange rates mean it works well if you earn or spend in multiple currencies or if you freelance internationally across time zones and currency zones. Manual entry and full offline support appeal to people who want control and privacy over their financial data. It does not appeal to anyone who wants a completely hands-off experience or who needs direct bank connections for automatic categorization. If you spend the time logging every purchase and your priority is controlling exactly what you commit to next month, Dzing fits. If you want automatic bank syncing and minimal effort, you need something else.