Question 1

What does Wiggle Budget actually do?

Accepted Answer

It turns your income and bills into a forward-looking timeline so you can see what is genuinely safe to spend, not just what is sitting in your account today. You log entries (or reuse payment templates), and the app projects your running balance day by day, flags the lowest point ahead, and shows the surplus you can use without creating a future shortfall.

Question 2

Does it connect to my bank?

Accepted Answer

No, and that is deliberate. Wiggle Budget is manual by design: no bank logins, no read access to your accounts, no third-party data aggregators. You decide exactly what enters the app. The trade-off is a little upfront setup; the upside is full control and far less data exposure.

Question 3

Is there a free version?

Accepted Answer

Yes. The Free plan covers manual tracking, running balances, bank-account tracking, the spreadsheet view, and CSV/JSON import & export. Every new account also starts with a 30-day Pro Max trial so you can try the advanced tools first, with no card required.

Question 4

How long does setup take?

Accepted Answer

A few minutes to add your accounts and recurring bills as payment templates. After that, day-to-day use is fast: most check-ins are just confirming an entry is done or adding a one-off.

Question 5

Does it work if my income is irregular?

Accepted Answer

Better than an envelope or monthly-budget app does. Nothing here assumes a fixed salary on a fixed date: you place income on the dates it actually arrives, and if a payment slips you move it and the projection follows. The lowest point ahead is recalculated from what you have entered, not from an assumed monthly figure.

Question 6

What if I fall behind for a few weeks?

Accepted Answer

Type in your current bank balance and everything ahead recalculates from that point. There is no requirement for an unbroken history and nothing to re-categorise, so catching up costs you a minute rather than an evening. This is the main reason the app is anchored to a balance you enter rather than to a reconstructed transaction feed.

Question 7

How is "safe to spend" calculated?

Accepted Answer

Spending today shifts every future day down by the same amount, so the true safe amount is the lowest point your projected balance reaches over the window you care about, not your current balance. Wiggle Budget walks your timeline, finds that lowest dip, and shows it floored at zero.

Question 8

What is the difference between "safe through" a date and "safe on" a date?

Accepted Answer

"Safe through [date]" answers: how much can I spend today and still stay positive every day until that date. "Safe on [date]" answers: standing on that future day, how much is safe to spend then, the lowest point from that day forward across your remaining scheduled activity. Both use the same lowest-dip logic, just from a different starting day.

Question 9

Does the projection include recurring bills?

Accepted Answer

Yes. Payment templates and recurring entries are expanded into future occurrences and included in the timeline, so an upcoming rent or card payment lowers your safe-to-spend before it actually hits.

Question 10

Can it help me pay down debt?

Accepted Answer

Yes. You can track each debt with its balance, APR, and minimum payment, compare snowball vs avalanche payoff strategies, log payments that reduce the balance, and watch interest accrue over time. Credit cards are modelled as debt, so charging to a running-credit card raises that debt rather than spending cash.

Question 11

How are savings handled separately from chequing?

Accepted Answer

Savings accounts are kept out of your chequing/operating summaries by default, so protected cash is not mistaken for spendable money. They are shown distinctly (with a green treatment) so you always know what is truly liquid versus set aside.

Question 12

Can I move money between accounts and cards?

Accepted Answer

Yes. There is a transfer tool for moving between accounts and for paying down a credit card from an account, and card payments go through the same balance-reducing logic so your debt and cash both stay accurate.

Question 13

Can I split expenses with friends or roommates?

Accepted Answer

Yes. The bill splitter tracks who paid for each shared expense and divides it equally, by percentage, by custom amount, or per item. It then reduces the group to the fewest repayments that clear every balance, so a trip with a dozen expenses usually settles in two or three transfers rather than a dozen.

Question 14

Does splitting a bill let other people see my budget?

Accepted Answer

No. A group only ever contains the shared expenses and the repayments between its participants. Your accounts, income, debts, and safe-to-spend number are not part of a group and cannot be shared into one.

Question 15

What happens to the money I owe after the split?

Accepted Answer

That is the part a standalone splitter cannot do. Once you know what you owe, the same app can place that repayment on your own timeline beside rent and payday, and show you what paying it on a given day does to your lowest point ahead.

Question 16

Does the AI assistant see my financial data?

Accepted Answer

No, and this is enforced rather than promised. When you connect an AI model, it never receives amounts, balances, account names, or rows. It chooses which question to ask; your device does the arithmetic and renders the answer inside Wiggle Budget. The model gets back a receipt confirming what was shown, and sometimes a count or a date.

Question 17

Then how does it get the answer right?

Accepted Answer

Because the model is not doing the maths. Wiggle Budget exposes a fixed set of financial tools with defined arithmetic, and the model picks one. The projection, the safe-to-spend figure, and the payoff comparison are all computed on your device by the same engine the rest of the app uses, so the assistant cannot report a number the app itself would not show.

Question 18

Can the assistant change or delete my entries?

Accepted Answer

It cannot write anything on its own. The one tool that affects entries only prepares a proposal, and the rows are shown to you for confirmation inside the app before anything is saved.

Question 19

Is my financial data encrypted?

Accepted Answer

Yes. Sensitive financial fields are encrypted at the field level using OpenPGP symmetric encryption, so the raw numbers are not stored in plain text. Traffic is protected with TLS, data at rest is AES-256 via Supabase, and Row-Level Security isolates every user’s data from everyone else’s.

Question 20

Do you sell my data or show ads?

Accepted Answer

No. We do not sell your data and there are no ads. We never collect bank credentials because the app never connects to your bank in the first place.

Question 21

Can I get my data out?

Accepted Answer

Always. Export your budget entries, debts, and payment templates as CSV at any time from inside the app, on every plan, including Free. Your data is never held hostage.

Question 22

What do the AI tools do, and which plan has them?

Accepted Answer

Pro Max includes a monthly allowance of AI uses across four tools: a receipt scanner, payment-template extraction, debt analysis, and expense analysis. They speed up data entry and surface insights. Free and Pro do not include AI usage. Everything in the app still works without AI, the tools are accelerators, not requirements.

Question 23

What happens when my AI allowance runs out?

Accepted Answer

Nothing charges you. The AI tools stop until the allowance resets, and if you want more before then you buy credits as a one-time purchase. Credits are never billed automatically, there is no auto top-up, and nothing renews on its own. Running out costs you nothing and surprises you with nothing.

Question 24

What happens after the 30-day Pro Max trial?

Accepted Answer

You keep your data and drop to the Free plan automatically unless you choose to subscribe. Nothing is deleted, and Free remains fully usable for manual tracking, projections, accounts, and the spreadsheet view.

Question 25

How do I cancel?

Accepted Answer

Cancel anytime from Profile Settings → Subscription. Cancellation takes effect at the end of your current billing period, and you keep access until then.

Question 26

Why does the pricing page show different prices sometimes?

Accepted Answer

Early adopters get launch pricing that is lower than the standard rate. The live price and any remaining promotional spots are shown on the pricing page, and the plan that applies to you is whatever was active when you subscribed.

Wiggle Budget FAQ: how safe-to-spend works, privacy and encryption, projections, and what each plan includes

The basics

Safe-to-spend & projections

Debt, accounts & credit

Splitting bills with other people

The AI assistant

Privacy & security

Plans, AI & billing