Features

What it does.

Cross-bank netting

Your money lives at more than one bank, and so do your commitments. Headroom reads every account you connect, nets what's there against everything committed in the next 30 days, and gives you one number. A single bank's app can only ever see its own half.

Exactly one notification

Headroom sends one kind of alert: when your balance is on track to fall below a known commitment within the next 7 days. No nudges, no summaries you didn't ask for, nothing else.

Read it, do the math, forget it

Your transactions are never stored. We fetch them, compute your number, and discard them. What little Headroom keeps stays in the EU — enforced at the infrastructure layer, not by policy alone.

Regulated, read-only access

The bank connection is provided through a licensed Account Information Service Provider under PSD2. It is read-only by design: Headroom cannot move money, and your card number never passes through us. Remove our access anytime, instantly.

Not a dashboard

No charts, no categories, no budgets, no streaks. Headroom is for people who want the answer, not the work: one honest number and the basis behind it.