SpendCents

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends.

THE NEXT DOLLAR
The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided.

YOUR DEBT-FREE DATE
Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears.

BOTH ROUTES, SIDE BY SIDE
Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order.

A BUDGET THAT FEEDS THE PLAN
Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap.

EVERY PAYMENT, SPLIT HONESTLY
Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going.

PLAIN ENGLISH
APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for.

NOTHING IS CONNECTED TO YOUR BANK
You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like.

SPENDCENTS PRO (optional subscription)
The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds:
- What-If Studio: save and compare payoff scenarios side by side
- Windfall Planner: the best home for a bonus, refund or gift
- Interest Ledger: interest paid against interest avoided, over time
- A 12-month forecast table for the whole plan

Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription.

SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice.

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