Try Spendify Pro free for 7 days. See your exact debt-free date, compare payoff strategies, and ask your AI advisor anything about your money.
You have all your financial data. But do you have a plan?
Most finance apps show you where your money went. Spendify shows you where it should go. Connect your accounts once and get a real plan to pay off debt, build savings, and grow your wealth.
Spendify is a downloadable mobile app for personal financial management, budgeting, expense tracking, debt management and debt optimization, bill tracking, financial planning, and financial reports and insights.
SEE YOUR DEBT-FREE DATE
Not "someday." The actual month. Spendify calculates exactly when you'll be debt-free and how much interest you'll save along the way.
COMPARE PAYOFF STRATEGIES
• Debt Snowball: Pay off smallest balances first to build momentum
• Debt Avalanche: Target high-interest debt to save the most money
• Custom Order: Set your own payoff sequence based on what matters to you
• Adjust your extra payment and watch your debt-free date move in real time
ASK YOUR AI ADVISOR
"What did I spend on dining this month?" "How can I pay off my credit cards faster?" Ask anything about your money in plain English. Your AI advisor has real-time access to your accounts and transactions — personalized answers, not generic tips.
TRACK EVERYTHING IN ONE PLACE
• Transactions sync automatically via Plaid
• Connect Apple Card, Apple Cash, and Apple Savings with FinanceKit
• Budgets that actually fit your life
• Recurring charges detected automatically — no more surprise subscriptions
• Net worth so you can see the full picture
• Financial reports that show your income, spending, and cash flow at a glance
• Monthly financial statements: Spendify prepares your statement of net worth and your income and expense statement every month, ready to download as a PDF or CSV
SECURITY FIRST
Bank-level AES-256 encryption. Read-only access — we can never move your money. Face ID and Touch ID support. No bank credentials stored.
FEEL THE PROGRESS
Every time you open the app, you see how far you've come. Interest saved. Time saved. Debts crossed off. Celebrate the wins.
Start with a 7-day free trial. Then $49.99/year or $4.99/month. Cancel anytime.
Terms of Service: https://spendify.money/terms-of-service
Privacy Policy: https://spendify.money/privacy-policy
Questions? Reach out at support@spendify.money
This app gives me so much information about my finances that I didn’t even know I needed but can’t live without now! I love being able to keep track of my finances on my phone and on web. The reports are amazing to know where my money is actually going!! Love it.
Simple and easy to use
AndroY619
I’ve tried a few different budgeting apps and usually fall off after a couple months but this one is simple enough to use and I’m actually sticking with it. It makes tracking expenses and paying down debt a lot more manageable.
Developer Response
Thank you so much for the kind words! We are thrilled to hear that Spendify is helping you stay on track with your budget and debt payoff. Simplicity is something we work really hard on, so it means a lot that it is making a difference for you. Keep up the great work!
Easy to use
Mythic Chris
I found this app while browsing the store, I figured I would give it a try. Using this app makes my life so much easier than making spreadsheets. Strongly recommended, thank you!
Best Budget App
Austiny619
This is by far the most organized app. It makes it very easy to use and easy to track where money is being spent. Definitely recommend
Developer Response
We really appreciate you taking the time to leave this review! It is great to hear that the organization and tracking features are working well for you. Recommendations like yours help others discover Spendify, and we are grateful for the support. Happy budgeting!
- Added Statements: a statement of net worth and an income and expense statement for every month, to read in the app or download as a PDF or CSV.
- Accounts now shows Not reported by bank when your bank stops sending an account.
- An account your bank stopped reporting can now have its balance updated, be excluded from net worth, or be converted to a manual account that keeps its history.
- Accounts now asks before counting the same card twice across two bank logins: hide one copy, or keep both.
- Accounts now offers to hide an old bank connection's copies when a newer connection to the same bank replaces it, keeping their history.
- When your Spendify Pro access ends, bank syncing now pauses; your accounts and history are kept, and an email tells you the date your banks will be disconnected, at least 30 days later.
- Bank connections now shows a disconnected bank as Disconnected with its history kept, and Connect again adds it back after you subscribe.
- Debts now asks you to add a missing APR, and marks the debt-free date as an estimate until you do.
- Open your full payoff plan from Debts with See payoff plan.
- Large-purchase notifications now stop at three a day; any more go to your notification inbox without buzzing your phone.
- Budget alerts now come only for budgets you set yourself, and count what you rolled over.
- Fixed credit card payments and transfers between your own accounts counting as spending.
- Fixed transfers, card credits and bank interest counting as income or as refunds.
- Fixed a recurring bill showing twice, or as Every 4 weeks when its date drifts.
- Fixed everyday purchases showing up as subscriptions.
- Fixed card and account numbers appearing in notifications on the lock screen.
- Fixed a transfer between your own accounts alerting as a large purchase.
- Fixed purchases in another currency being counted as dollars.
- Fixed investment balances not updating when holdings did.
- Fixed linking a Google or Apple sign-in switching you to another account.
- Fixed a mortgage or student loan missing its due date and payments when the bank left out its rate.
- Fixed a bond showing a large loss that wasn't there.
- Fixed some Fidelity accounts appearing under a placeholder name.
- Fixed a recurring card or loan bill showing a different due date than its account.
- Fixed the keyboard covering the support conversation while you type.
- Fixed an overpaid card counting as negative debt instead of a credit.
- Fixed balance history dipping where a bank skipped transactions.
- Other bug fixes and improvements.
We're always improving Spendify. Keep an eye out for more updates and fixes along the way.
Version 1.0.8340
The developer, Spendify Money LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Spendify Money LLC
Size
88.6 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
