Spense: Budget App & Planner

Spense — Budgeting That Does Itself

Download, connect your bank, done. Spense categorizes every transaction as it arrives and shows you exactly what's safe to spend — no

Try everything free for 14 days. No credit card, no sign-up forms — open the app and your trial starts.
After that, Spense is $2.99/month or $24.99/year. One plan, everything included.

Budgeting on Autopilot
- Transactions categorize themselves the moment they arrive
- See what you've spent and what's left, per category, in real time
- Spending trends show whether you're ahead of or behind your own pace
- Smart credit card tracking — spending per card, payments detected automatically

Built on a Method That Works
Under the hood, Spense runs on envelope budgeting, the 100-year-old method where every dollar gets a job. Want to be hands-on? Switch to Manual
Mode and assign every dollar yourself until $0 is left, with targets for bills, savings goals and debt payoff. Want it effortless? Stay in Auto
Mode and let Spense do the sorting while you keep the visibility. Both are included — change anytime.

Switching?
- From another auto-sync budgeting app: Auto Mode gives you the same hands-off experience at a fraction of the price
- From YNAB: import your categories and history in minutes — same method, simpler app, lower cost
- From spreadsheets: keep the control, lose the data entry

Key Features
- Automatic bank sync and categorization via Plaid
- Real-time category balances and flexible reallocation
- Targets for bills, savings goals and debt payoff
- Savings goals with progress tracking
- Monthly reflections: where your money went, month over month
- Smart credit card and transfer detection
- YNAB import
- Pick your own emoji for every category
- Face ID / Touch ID app lock
- Works with any pay schedule

Built by a small independent team, not a big tech company or a bank. Your feedback shapes the roadmap.

Stop reconstructing where your money went. Start knowing before you spend.

14-day free trial included, then $2.99/month or $24.99/year. Cancel anytime.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://usespense.com/privacy