Ahmed Khan's profile on Product Hunt

About

I am a solo developer who has spent the last 4 years building digital products and grinding through freelance work and e-commerce. During that time, my biggest struggle was managing irregular income - specifically, knowing exactly how much I could safely spend today without messing up next month's rent. I got tired of finance apps that forced me to create accounts, link my bank, and hand over my personal data. My goal is to build practical, lightweight tools that solve real problems without compromising user privacy. That’s why I built Safespend, a 100% local, offline web app with zero databases. Your data never leaves your browser. I'm here to share my builds, get brutal feedback from the community, and connect with other makers.

Links

SafeSpend

Badges

Tastemaker

Gone streaking

Maker History

SafeSpendThe safe-to-spend number for freelancers
Oct 2026

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Joined Product HuntSeptember 28th, 2026

Forums

p/safespend

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1d ago

Why do 99% of finance apps force you to link your bank account?

Every budgeting app I look at requires you to log in and sync your bank account. I know it's for automation, but it completely kills the privacy aspect.

I've been building a local-first web app with zero database precisely because of this. I'd much rather manually enter my numbers for 2 minutes than hand over my financial API keys to a third-party server.

Am I the only one who thinks "auto-sync" is a massive privacy trade-off that nobody talks about? How do you guys handle this?

p/safespend

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1d ago

Freelancers: How do you calculate "Safe to Spend" when income fluctuates?

Freelance income is a psychological nightmare. You make $5k one month and $0 the next. Every time I want to buy something, I'm doing mental math: "Okay, rent is due, that client hasn't paid the late invoice yet, and I need to save 25% for taxes... so can I afford this $50 dinner?"

I ended up coding a simple tool that just gives me one number: what is safe to spend today.

How are you guys currently calculating your daily spending limit without going broke before the end of the month?

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1d ago

SafeSpend - The safe-to-spend number for freelancers

SafeSpend gives freelancers one honest number: what you can actually spend today, after tax, bills, and a safety floor. No account, no bank login, no cloud, no subscription. Enter four numbers and your ledger works: cash on hand, a floor you never spend below, a tax set-aside, and your currency. Every invoice and bill shapes your daily number, so a big month never tricks you into a broke one. Your data never leaves your device and it works offline. One-time purchase, yours for good.