What is Available to Spend?

Available to Spend (ATS) is your real spendable balance — computed automatically after every bill is reserved, every budget allocation is made, every goal contribution is set aside, and every debt minimum is covered. It is the number your bank balance never shows you.

What is a Personal Financial Operating System?

A Personal Financial Operating System (PFOS) is a new product category created by Quelle. Unlike budgeting apps that report on the past, a PFOS actively manages your entire financial life — income, bills, budgets, goals, debts, and spending — and tells you what you can actually do with your money right now.

Is Quelle a good Mint alternative?

Quelle is the most advanced replacement for Mint. While Mint showed you where your money went, Quelle tells you what you can spend right now through Available to Spend — a real-time figure that accounts for every upcoming bill, goal, and budget automatically.

How is Quelle different from YNAB, Monarch, and Copilot?

YNAB is a budgeting methodology. Monarch is a dashboard. Copilot is a tracker. None of them compute Available to Spend. Quelle is the only app that tells you what you can actually spend today — after every obligation is accounted for automatically.

When will Quelle launch?

Quelle is coming soon to iOS, Android, and Web. Join the waitlist at quelle.app to be among the first to know when we launch.

Introducing

The first Personal Financial Operating System™.

Your bank balance doesn't account for the rent due in 3 days, the credit card bill due in 3 weeks, or the insurance premium due in 3 months.

Available to Spend (ATS) does — computed automatically, every morning, after every obligation is accounted for.

✦ You're on the list. We'll be in touch before launch — and you'll be among the first to know.

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iOS

Android

Web

Dashboard

9:41

Available to Spend

$1,847

After all bills reserved · Apr 30

Financial HealthGood standing · 2 bills need attention

Upcoming Bills

Rent

Due Apr 1

$2,200

Confirmed

Amex Gold

Due Apr 15

$847

Review

Electric

Apr 22 · Autopay

$124

Auto

Home

Calendar

Budgets

Goals

9:41

Budgets

April 2026

10 days remaining

remaining

$642

of $2,270

Over

Watch

Good

72%

Used

Entertainment

$145

+$45 over

Dining

$98

$22 left

Groceries

$320

On track

Transport

$95

Under

Home

Calendar

Budgets

Goals

9:41

Goals

3 active goals

$19,600 total target · $5,200 saved

✈️ Japan Trip

70%

$4,200 / $6,000

Jul 12

🛡️ Emergency Fund

24%

$3,600 / $15,000

Dec 26

💻 MacBook Pro

Complete!

Goal reached — convert to spending pool →

Home

Calendar

Budgets

Goals

9:41

Advisor

Budget impact · Not financial advice

✦ Good morning. $1,847 available. Dining at $98/$120. Japan Trip pool: $5,200 of $6,000 remaining.

Can I afford a $500 hotel in Japan?

✦ Yes — your Japan Trip pool has $5,200 remaining. A $500 hotel leaves $4,700. Your bills and Available to Spend are unaffected.

Japan Trip status

Any goal deficits?

Check my budgets

Ask Q anything...

Home

Calendar

Budgets

Goals

Preliminary designs · subject to change