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.
Plaid in seconds. Read-only — Spense can look, never touch. Prefer not to? Classic Mode needs no bank: track your accounts by hand.
Every transaction categorized the moment it lands. Your categories grow out of your real spending — no blank page to fill in.
The dashboard tells you how you’re doing in one line. On track? Close the app. That’s the whole workflow.
No blank page, no transaction homework. Every card below is the real product, doing its job.
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.
Your cumulative spend vs. budget pace — the only chart you need daily.
✓ $582 under paceRecurring charges surfaced before they sneak up.
Bank, credit, cash, investments — one net-worth number.
Where it went — monthly reports, spending analytics, CSV export.
YNAB users import directly. Everyone else: link your bank in Auto Mode and your latest transactions come with you.
Free budgeting apps sell what they see. Spense charges $2.99 a month so it never has to.
We don't sell your data. Not anonymized, not aggregated. Ever.
No sponsored merchants. No credit card offers wearing a “recommendation” costume.
Your subscription funds Spense. That's the whole business model.
Plaid for read-only bank access. Face ID. 256-bit encryption.
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 →
“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.”
“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!”
“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”
“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!! 👌🥇🎖️”
No. Link your bank and Auto Mode categorizes everything automatically. Open the app, see your money.
Same idea, cheaper, doesn't sell your data. Works on iOS and Android (Copilot has no Android app). $24.99/year vs $95–109/year.
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.
No. Classic Mode works without a bank: add your accounts and enter transactions yourself, and no bank login is ever needed. You can link a bank later in either mode. Auto Mode (called Spense Magic in the app) sorts new transactions into categories for you; Classic puts them in a review queue for you to approve, YNAB-style. Both modes are included in Pro ($2.99/mo or $24.99/yr).
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.
YNAB users can import directly. Everyone else: link the same accounts in Auto Mode and Spense brings in your most recent transactions, up to about 30 per bank. Classic budgets start from the day you link.
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.
14-day free trial — no credit card required · 5.0 ⭐ on the App Store