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.
Pro
Full envelope budgeting — with or without bank sync
Everything you need for envelope budgeting
All features included in Spense Pro
Unlimited Envelopes
Create as many budget categories as you need. From groceries to vacation funds, organize your money your way.
Multiple Bank Accounts
Connect all your checking accounts, savings accounts, and credit cards through secure Plaid integration.
Smart Analytics
Get insights into your spending patterns, track progress, and make informed financial decisions.
Automatic Sync
Transactions sync automatically and get categorized into the right envelopes, saving you time.
Budget Forecasting
Plan ahead with intelligent forecasting that helps you allocate money for upcoming expenses.
YNAB Import
Already using YNAB? Import your existing budget structure and categories seamlessly.
Trusted by proactive budgeters
Bank-level Security
256-bit encryption & Plaid integration
Face ID Security
Biometric app protection
Cancel Anytime
No long-term commitments
Frequently asked questions
Everything you need to know about Spense pricing
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.
Spense vs Mint
The best Mint alternative after the shutdown — envelope budgeting, bank sync, no ads.
Spense 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!
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