Spency: Budget Planner App

No bank login.

Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time.

Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday.

Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds.

HOW IT WORKS

Add your income
Track salary, freelance payments, deposits, and recurring income.

Organize bills and expenses
Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments.

Set a daily spending limit
Spency uses your daily allowance to forecast your balance automatically.

SEE YOUR MONEY AHEAD

Projected balance for every day on the calendar
Upcoming bills and how they affect your budget
Monthly totals for income, expenses, and net balance
Tight days flagged early
Daily spending allowance always visible
Simple charts for cash flow, savings, and spending insights

WHO IT IS FOR

Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday.

WHY SPENCY

Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust.

SPENCY PLUS

Budget projection and cash flow forecasts for 1, 3, and 6 months
Insight charts with recurring and one time expense breakdowns
Access to over 12 months of budget history

The free version includes your most recent 3 months of data.

PRIVACY FIRST

No bank connection
No account required
Offline budget tracking
Your data stays on your device, with optional iCloud sync
Delete everything anytime

Set it up once. Check it in seconds. Stay in control of your budget with confidence.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/