Pick the budgeting style that works for you!
Classic or Auto — both included in Pro.
Track every dollar by hand, no bank needed, or link your bank and let Spense sort it — your call. Both modes included in Pro.
Start with a 14-day free trial — no credit card required.
Full envelope budgeting — with or without bank sync
14-day free trial — no credit card required. Cancel anytime.
Small team, no VC targets. If pricing ever changes, existing subscribers keep their rate forever.
256-bit encryption & Plaid integration
Biometric app protection
No long-term commitments
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.
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.
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.
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.
With Pro, you can connect unlimited bank accounts, credit cards, and other financial accounts through our secure Plaid integration. All your accounts sync automatically. In Auto Mode, new transactions sort themselves into categories; in Classic Mode, they wait in your review queue for you to approve.
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.
See how Spense stacks up against the major budgeting apps.
A smarter, more flexible alternative — covering pricing, features, and budgeting modes.
⚖️ ComparisonThe best Mint alternative after the shutdown — envelope budgeting, bank sync, no ads.
⚖️ ComparisonMonarch is polished but pricey at $99.99/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.
14-day free trial — no credit card required · 5.0 ⭐ on the App Store