Budgeting that does itself.
Connect your bank once. Spense sorts every transaction, builds your categories from real spending, and tells you how you're doing — in a five-second glance.
Three steps. Sixty seconds. Then I take it from here.
Connect your bank
Plaid in seconds. Read-only — Spense can look, never touch. Prefer not to? Manual Mode is fully bank-free.
Spense sorts it
Every transaction categorized the moment it lands. Your categories grow out of your real spending — no blank page to fill in.
Glance and go
The dashboard tells you how you’re doing in one line. On track? Close the app. That’s the whole workflow.
Open the app. Glance. Close it.
No blank page, no transaction homework. Every card below is the real product, doing its job.
Every transaction sorts itself
Categories build themselves from your spending — consolidated, not one-per-merchant. Override anything; Spense remembers.
Zero left for you to file. That's the whole point.
Am I on track?
Your cumulative spend vs. budget pace — the only chart you need daily.
✓ $582 under paceSubscriptions in check
Recurring charges surfaced before they sneak up.
All accounts, one place
Bank, credit, cash, investments — one net-worth number.
Reflect on any month
Where it went — monthly reports, spending analytics, CSV export.
● Dining · ● Transport
Switching? Bring your history
YNAB users import directly. Everyone else: relink via Plaid and recent months come with you.
Your data isn't the product.
Free budgeting apps sell what they see. Spense charges $2.99 a month so it never has to.
Not for sale
We don't sell your data. Not anonymized, not aggregated. Ever.
No ads
No sponsored merchants. No credit card offers wearing a “recommendation” costume.
$2.99 pays the bills
Your subscription funds Spense. That's the whole business model.
Plaid for read-only bank access. Face ID. 256-bit encryption.
Why people switch.
Most budget apps
- Build budgets from scratch
- Approve every transaction, every day
- Hours of setup before it’s useful
- iOS-only, or your data is the product
- $95–109/year
Spense
- Categories grow from your real spending
- Sorted automatically as charges land
- Useful in under a minute
- iOS + Android, data never sold
- $24.99/year
Small team, no VC targets to feed. This is what it costs to run Spense well — and your rate is locked forever. Read the Spense Method →
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!
Do I have to learn budgeting to use this?
No. Spense categorizes everything automatically. Open the app, see your money.
How is this different from Mint, Copilot, or Monarch?
Same idea, cheaper, doesn't sell your data. Works on iOS and Android (Copilot is iOS-only). $24.99/year vs $95–109/year.
Why are you cheaper than YNAB, Copilot, and Monarch?
Small team, no VC. Those apps charge $95–109/year because they have to hit aggressive revenue targets and pay big sales and marketing budgets. We don't. $24.99/year is what it actually costs us to run Spense well — not a promotional discount we'll claw back later. If pricing ever changes, existing subscribers stay at the rate they signed up at. Forever.
Do I need to connect my bank?
No. Manual Mode is fully bank-free — no Plaid authorization, total privacy, you enter transactions yourself. Classic and Auto modes both use Plaid bank sync (Classic gives you YNAB-style approval control; Auto categorizes automatically). All three are included in Pro ($2.99/mo or $24.99/yr).
Is there a free trial?
Yes — every new account starts with a 14-day free trial of everything in Pro, no credit card required. There's no permanent free plan; after the trial, Pro is $2.99/mo or $24.99/yr.
Coming from another app?
YNAB users can import directly. Everyone else: connect the same accounts via Plaid and we'll pull recent transactions.
Can I cancel anytime?
Yes. Cancel in the App Store or Play Store. Keep Pro until the billing period ends.
Ready when you are!
Your first two weeks are on me.
Stop managing a budget.
Start glancing at one.
14-day free trial — no credit card required · 5.0 ⭐ on the App Store