SpendZen: Bills & Budget

SpendZen shows you at a glance how much you spend each month on subscriptions, bills, loans and fixed costs. And how much is really left.

No account, no bank to connect: your data stays on your iPhone, with optional iCloud backup.

NEW IN SPENDZEN 4.0
• Financial Forecast (Pro): your margin for each of the coming months, with a chart of income, expenses and net, plus a timeline of upcoming changes.
• Free trials: a reminder the day before a trial ends and the first charge marked in your calendar. When it ends, turn it into an expense or delete it.
• Bills & usage (Pro): log kWh and m³ with each payment and compare average, minimum, maximum and peak month.
• Redesigned Home: upcoming payments up front, with overdue ones highlighted.
• Savings achieved: how much you save per year from closed or paused expenses.

ALL YOUR FIXED COSTS IN ONE PLACE
• Subscriptions (Netflix, Spotify, Disney+…), rent, utilities, insurance, gym
• Monthly, yearly, weekly or one-off expenses
• Categories, icons for popular services, filters and sorting

NEVER MISS A DUE DATE
• Payment calendar showing what's paid and what's left
• Customizable reminders before every charge

BUDGET AND INCOME
• Budgets per category with alerts as you approach the limit
• Income and salary: monthly balance, fixed-cost share and history

LOANS, INSTALLMENTS AND PRICE HIKES
• Loans with installments paid, remaining and end date
• Price history: see which subscription went up and by how much

STATS AND TIPS
• Charts by category and by month
• Suggestions to cut unnecessary spending
• Badges and milestones to stay on track

PRIVACY FIRST
• No sign-up, encrypted database on your device
• Data hidden in the app switcher preview
• Optional, anonymous analytics: no amounts, names or notes are collected

SPENDZEN PRO
Unlock Financial Forecast, Bills & usage, iCloud backup, Home customization and every advanced feature with a one-time purchase.