(I'm a co-founder of BankSimple.)

Once you tell our service about your savings goals, we're able to tell you what you can _safely_ spend. That means not dipping into the savings that you should be building, or putting yourself in a situation where you can't pay rent.

We've done a lot of early customer development. Our features and approach are built from feedback from thousands of conversations. So, yes, a bunch of people do want to know how much money they can spend right now, but we want to let them know that in a way that won't harm them financially.

Payments (wire transfers, etc.) are coming soon. If there's a banking feature you think could be done better, we're probably going to try to do it better :)