Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time.
Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday.
Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds.
HOW IT WORKS
Add your income
Track salary, freelance payments, deposits, and recurring income.
Organize bills and expenses
Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments.
Set a daily spending limit
Spency uses your daily allowance to forecast your balance automatically.
SEE YOUR MONEY AHEAD
Projected balance for every day on the calendar
Upcoming bills and how they affect your budget
Monthly totals for income, expenses, and net balance
Tight days flagged early
Daily spending allowance always visible
Simple charts for cash flow, savings, and spending insights
WHO IT IS FOR
Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday.
WHY SPENCY
Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust.
SPENCY PLUS
Budget projection and cash flow forecasts for 1, 3, and 6 months
Insight charts with recurring and one time expense breakdowns
Access to over 12 months of budget history
The free version includes your most recent 3 months of data.
PRIVACY FIRST
No bank connection
No account required
Offline budget tracking
Your data stays on your device, with optional iCloud sync
Delete everything anytime
Set it up once. Check it in seconds. Stay in control of your budget with confidence.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
I love that you don’t have to link a bank account and can just manually enter everything. This is basically what I’ve been using a table on my notes app to do but with a much nicer UI and with charts to show how much I actually pay in rent 😩.
Developer Response
Thank you for using it and finding the charts useful!Feel free to suggest features or fixes!
It’s good could be betta
Coral bayfild
Lotta manual entry which is good in my book. The insights could be have different options, cuz I don’t care to see my cash flow, it always looks the same and I don’t have a fixed paycheck. balance projections is just bad graph to see and use. I like savings budget.
Glitchy :(
cjbar8
This app sounds PERFECT for my needs … but once using it i’ve found it doesn’t really work at all. My inputs don’t populate into the calendar, with the most notable being that despite my many attempts to get the app to catch up, it can’t fathom the idea that i get paid bi-weekly and not monthly. Once this app gets made to be functional, I’ll be using it all the time!
Developer Response
Thank you for using Spency, cjbar8! Sorry this happened to you. There was a small bug when users added items form the onboarding that has been fixed already. Would love if you could try again and please let me know if there's anything we can do.
- Reference only entries are here. You can now add income or expenses as helpful day notes while keeping your spendable balance unchanged.
- Savings also supports reference adjustments, so you can track money added to or withdrawn from a savings goal while keeping your current balance steady.
- This update also brings cleaner entry editing, better balance previews, widget alignment, notification polish, and release cleanup.
Version 1.6
The developer, Callebe Sousa e Silva, 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 Not Collected
The developer does not collect any data from this app.
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
Callebe Sousa e Silva
Size
4.6 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
iPhone Requires iOS 26.0 or later.
iPad Requires iPadOS 26.0 or later.
Mac Requires macOS 26.0 or later and a Mac with Apple M1 chip or later.
