Spense: Your Budget Companion

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 spreadsheets, no Sunday-night budget sessions, no guilt.

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 technique YNAB made famous: every
  dollar gets a job. Want to be hands-on? Switch to Manual Mode and assign every dollar yourself until $0
  is left. 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 Mint or Copilot: 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
  - 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 / fingerprint 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