Pick the budgeting style that works for you!
Manual, Classic, or Auto — all three included in Pro.
One plan. Three ways to budget.
Privacy-first manual budgeting or automatic bank sync — your call. All three included in Pro.
Start with a 14-day free trial — no credit card required.
Spense Pro
Full envelope budgeting — with or without bank sync
14-day free trial — no credit card required. Cancel anytime.
The same job for a quarter of the price.
Small team, no VC targets. If pricing ever changes, existing subscribers keep their rate forever.
Trusted by proactive budgeters.
Bank-level Security
256-bit encryption & Plaid integration
Face ID Security
Biometric app protection
Cancel Anytime
No long-term commitments
Questions about pricing? I've got answers!
Is there a free trial or a free plan?
Every new account starts with a 14-day free trial of everything in Pro — no credit card required, so there's nothing to cancel if it's not for you. There is no permanent free plan: after the trial, Pro is $2.99/month or $24.99/year.
What is envelope budgeting?
Envelope budgeting is a proactive method where you allocate your income into different "envelopes" or categories before you spend. Each envelope has a specific purpose (groceries, dining, entertainment) and a set amount. When an envelope is empty, you stop spending in that category or move money from another envelope.
Is my bank data secure?
Absolutely. We use Plaid for bank connections, which provides read-only access using bank-level 256-bit encryption. We never store your banking credentials, and all data is encrypted in transit and at rest.
Can I upgrade or cancel anytime?
Yes! You can switch between monthly and yearly billing anytime. Cancel whenever you want — you'll keep Pro until the end of your billing period.
How many bank accounts can I connect with Pro?
With Pro, you can connect unlimited bank accounts, credit cards, and other financial accounts through our secure Plaid integration. All your accounts sync automatically and transactions get categorized into your envelopes.
How is this different from other budgeting apps?
Most budgeting apps track where your money went (reactive). Spense helps you decide where your money goes before you spend it (proactive). Every dollar gets allocated to an envelope, preventing overspending and giving you complete control.
How Spense compares.
See how Spense stacks up against the major budgeting apps.
Spense vs YNAB
A smarter, more flexible alternative — covering pricing, features, and budgeting modes.
⚖️ ComparisonSpense vs Mint
The best Mint alternative after the shutdown — envelope budgeting, bank sync, no ads.
⚖️ ComparisonSpense vs Monarch
Monarch is polished but pricey at $99/year. Compare features and value side-by-side.
Ready to take control of your spending? Let's go!
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