Disposable Income
What remains of your pay after tax — often confused with what is actually free to spend, which is a smaller number.
Strictly, disposable income is income after tax: your take-home pay. Colloquially, people use it to mean "money I can spend freely" — but between those two numbers sit rent, power, groceries, debt payments and savings commitments.
The gap between take-home pay and genuinely-free money is exactly why bank balances mislead. A live number that subtracts commitments — a safe-to-spend figure — is the honest version of what "disposable" implies.
From knowing to seeing.
Owdyn turns these concepts into one honest Safe-to-Spend number, updated daily from your own transactions. Free during beta, no credit card.
Free during beta · No credit card · Your data stays yours