BankSimple aims to help you keep track of your money. For instance, in a demonstration posted by Mr. Reich on his blog, the site shows a “safe to spend” balance, as opposed to the “available balance” typically shown on bank sites. The “safe to spend” total takes into account pending transactions, coming bills and savings goals, rather than showing what’s in your account at that moment. The feature tells people what they really want to know when they check their balance, Mr. Reich said. “How much can I spend today without doing harm to myself tomorrow?”