Every dollar. One job. Zero guilt.
Envelope budgeting that's actually proactive. Plan where every dollar goes before payday — so you stop wondering where it went after.
Free to download
Accounts
Transactions
YNAB Import
Bank Integration
Let me show you how we'll work together!
Create your envelopes
Set up budget categories like groceries, dining, and entertainment. Allocate money to each envelope based on your income.
Spend with confidence
Transactions automatically sync via Plaid and deduct from the right envelope. Always know how much you have left to spend.
Stay on track
Get to know when you're close to envelope limits. Move adjusts for vacations and big trips monthly.
Here's why I'm different from other budgeting apps...
Every dollar has a purpose
Before you spend anything, you decide what each dollar is for. No more wondering where your money went at the end of the month.
Prevent overspending
The best way to fix overspending is fixing your habits and knowing where every dollar goes. Plan for a big vacation monthly and know how much you have.
Our promise: your data isn't the product. 🔒
Your data isn't for sale
We don't sell your transactions to data brokers, ad networks, or anyone else. Not now, not ever.
No ads, no upsells inside the app
You won't see "sponsored merchants" or pushed credit card offers. The budgeting tool is the product — that's it.
$2.99 is the whole business
Subscriptions pay our bills. Our incentive is to build something you'll keep paying for — not to monetize your data.
Behind the scenes: Plaid for read-only bank connections (we never see your credentials), Face ID / Touch ID for app access, and 256-bit encryption in transit and at rest.
See the difference for yourself!
Traditional Budgeting (Reactive)
- Track spending after it happens
- Often overspend in categories
- Wonder where money went
- Feel guilty about purchases
Envelope Budgeting (Proactive)
- Decide spending before it happens
- Prevent overspending automatically
- Know exactly where money goes
- Spend with confidence and purpose
Don't just take my word for it...
Good Budgeting App
"It's a nice and clean app that doesn't burden users with over-the-top, unnecessary features that no one will use. It also doesn't mask every feature behind a paywall, making it usable without having to pay — unlike many budgeting apps. Good UI. Really allows users to visualize their spendings and savings so that they can be on top of their finances. Overall, I would recommend this app and am excited to see how they continue to develop it."
Budgeting made easy 🙏🏽
"Finally an app that can help me budget my finances easily. Spense has dedicated sections for the common daily, weekly, and monthly purchases, making budgeting so much more quicker and efficient for me. Not only am I able to budget the amount I spend on groceries and bills, but I can even track my spending on subscriptions like Netflix, or my daily coffee runs. Highly recommend!"
Best financing app on the market
"App has been a lifesaver with tracking what i was putting my money into which also helped me by showing what subscription i was paying for that i didn't need ama also helped me figure out what i need to stop wasting money on and helping with budgeting for my upcoming trips. all in words it's the best financial budgeting app on the market"
Perfect expense companion
"I'm am extremely happy and satisfied with this app. It's finally something that helps me to stay on top of my budget. Facilitate my personal operating expenses and protects towards over expenditures. This app helps develop habits of mindful spending. Kudos to the team for making this great app!! 👌🥇🎖️"
Got questions? Let me answer them!
How is Spense different from YNAB?
Both use envelope budgeting — give every dollar a job before you spend it. YNAB is fully manual: you assign every transaction yourself. Spense has Classic Mode for that exact workflow, plus an Auto Mode if you'd rather have categorization handled for you. We're also under $3/month.
Is there a free version?
Yes. The Free tier lets you do envelope budgeting with manual transaction entry — no bank connection required. Pro ($2.99/mo or $24.99/yr) adds Plaid bank sync and Auto Mode.
Do I have to connect my bank?
Nope. You can use Spense entirely with manually-entered transactions. Plaid bank sync is a Pro feature, not a requirement.
I'm already using another budgeting app — can I switch?
If you're on YNAB, you can import your budget directly into Spense (see the YNAB Import screenshot above). For Mint, Monarch, or Rocket Money, connect the same accounts via Plaid and Spense will pull recent transactions.
Is the $2.99/month price going to change?
Pricing is $2.99/mo or $24.99/yr today. If we ever change it, existing subscribers won't see a mid-subscription price increase — you stay at the rate you signed up at.
Can I cancel anytime?
Yes. Cancel through the App Store or Play Store and you'll keep Pro features until the end of your current billing period.