Unspent: No-Buys Into Savings
Move No-Buys to real savings
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
"Should I buy this or save the money?"
You ask it every day, because companies spend billions to make you want things. And when you resist, what happens to the money? Nothing. It sits in your checking account, "saved" only in your head, until the next thing carries it off.
Unspent changes what happens when you say no. Add what you almost bought, and that exact amount moves to a savings plan you pick, where it earns real interest instead of waiting to be spent.
HOW IT WORKS
1. Almost bought something? Add it. One tap, the amount, done.
2. Pick a plan. One year to ten. Longer earns more.
3. The money moves to savings and grows with real interest.
4. Repeat. Every sale email is now a reminder to pay yourself.
WHY IT WORKS WHEN LISTS DON'T
Not a tracker. A didn't-buy list gives you a total. Unspent gives you a balance.
The win gets a receipt. Resisting a purchase used to produce nothing you could see. Now it produces a transfer, a plan, and a number that goes up.
One tap at the moment you say no. No categories to manage, no spreadsheets, no homework. Log the ones that matter: the cart you closed, the thing you talked yourself out of.
A little distance. Money in a plan doesn't slide back into checking on a bad day. You choose how much distance: shorter plans earn a bit less, longer plans earn more.
YOUR MONEY
Held in a real savings account in your name. Not an app wallet, not a points balance. You can see it, and it's yours.
Need it early? Life happens. Take your money out before the plan ends and you keep every dollar you put in. You give up some of the extra interest you'd have earned by waiting. No penalties designed to trap you, no hoops.
Unspent never holds your money.
No subscription. No monthly fee. No fee to move your money in. Ever.
WHO IT'S FOR
People doing a no-buy or low-buy year. Recovering shoppers. Anyone who has "saved" thousands by not buying things and can't find a dollar of it.
$15 here, $30 there. The small stuff that used to vanish now adds up somewhere you can watch it. Your small no's turn into meaningful money for your future self.
Next time you almost buy something, try this instead.
Unspent is a financial technology company, not a bank. Savings products are provided by [partner institution]. Yields vary by plan and term.
Ratings & Reviews
Improved first time experience
The developer, Meanwhile Incorporated, 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 Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Meanwhile Incorporated
- Size
- 5.7 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- Copyright
- © Meanwhile Incorporated