Spendezy

Spendezy is a private budgeting app that keeps your financial life on your iPhone. No bank logins. No account to create. No analytics, no advertising, and no data sent to anyone's servers.

You record what you spend, and Spendezy turns it into a clear picture of where your money goes.

EVERYTHING ON DEVICE
Your records live on your iPhone, protected by iOS encryption. Turn on iCloud Sync and your data moves through your own private iCloud account — never through ours, because we don't run any. You can export everything or erase it all, whenever you want.

TRACK WHAT ACTUALLY HAPPENS
Log expenses, income, transfers, refunds and reimbursements. Spendezy learns the categories you pick and starts suggesting them, so entry gets faster the more you use it. Add tags when categories aren't enough.

BUDGETS THAT MAKE SENSE
Set a monthly limit and see at a glance whether you're Good, approaching Warning, or Over Budget. Get an alert before the month gets away from you, not after.

UNDERSTAND YOUR DEBT
See credit utilization on every card and why it matters. Get a payoff projection, read the full amortization schedule, and find out how much of each loan payment is actually interest. Simulate a prepayment and see exactly how much interest it saves.

NEVER MISS A BILL
Set up recurring rules for rent, EMIs, subscriptions and salary. Pause a subscription without deleting its history. Choose reminders for payment due dates, statement generation, and budget thresholds.

SAVE WITH PURPOSE
Create savings goals with target amounts, dates and priorities, and watch progress build as you fund them.

SEE THE PATTERNS
Break spending down by category or tag across a week, month, year or any custom range. Export your transactions whenever you need them elsewhere.

BRING YOUR HISTORY WITH YOU
Import transactions from a CSV file. Spendezy maps the columns with you once, then remembers that layout for next time.

LOCKED DOWN
Protect the app with a PIN and Face ID. Spendezy never asks for your bank credentials, because it never connects to your bank.

Spendezy is a record-keeping and planning tool. It doesn't move money and it isn't financial advice — keep your bank's statements as the source of truth.