SpendMe: Budget & Bill Tracker

SpendMe shows the one number that matters: how much of your money is safe to spend right now.

It starts with your cash on hand, takes out the bills you have not paid yet, and holds back a safety net that you choose. What is left is your available to spend. No spreadsheet and no guessing.

CAN I AFFORD THIS?
Type in a price and get a plain answer: yes, not yet, or save a plan. SpendMe checks it against your balance, your upcoming bills, and your safety net before you buy.

ASK
Add a paycheck, log an expense, or ask what a big purchase would do to your budget. Type it or say it out loud. Ask is an AI assistant that works from your own numbers.

BUDGETS
Set a monthly budget, give each category a limit, and see what is left. Turn on alerts to hear about it before you go over.

PLAN2BUY
Add the things you are saving for, like a trip, a laptop, or a couch. Every goal grows from the cash above your safety net, so there is nothing to move around by hand.

BILLS AND SUBSCRIPTIONS
Track due dates, mark bills paid, and get reminders before they are due. SpendMe can also spot recurring subscriptions in your spending.

CREDIT CARDS
Pick your bank and card to fill in the usual APR and fees, or enter your own. See how much of each limit you are using, then compare payoff plans (avalanche, snowball, or your own) to find your payoff date.

CASH FORECAST
See where your balance is headed after paychecks, bills, and card payments. Free shows the next 15 days. SpendMe Pro goes out as far as 5 years.

RECEIPTS
Scan a receipt to log an expense in a few taps.

YOUR DATA
Sign in with Apple, Google, or email. Delete your account and your data any time from the Account tab. Connecting a bank is optional.

FREE
3 Ask messages a day
Manual income, bills, and expenses
Budgets and credit cards
3 Plan2Buy goals
15-day cash forecast
Forest color theme

SPENDME PRO
50 Ask messages a day
5-year cash forecast and card payoff planning
Unlimited Plan2Buy goals and planned events
Payday plans in Can I Afford This
Optional bank connection through Plaid (US and Canada)
More color themes
$7.99 a month or $70 a year, each with a 7-day free trial when you are eligible, or $149 once for lifetime access.

Subscriptions are charged to your Apple ID and renew automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID settings.

Privacy Policy: https://spendme.org/privacy
Terms of Use: https://spendme.org/terms
Support: https://spendme.org/support