Spensyble
Know what's safe to spend
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
How much can you actually spend right now, without running short before payday?
Spensyble answers that one question. Import a bank statement you already have, confirm your bills and paychecks, and see your true safe-to-spend balance, not just the number your bank shows.
HOW IT WORKS
• Import a statement export from your bank as CSV, XLSX, or PDF. No bank login. No account linking.
• Spensyble reads your transaction history and finds your recurring bills and paychecks on its own, with a confidence match shown for each one. Keep the ones that are right, dismiss the rest.
• Enter your current balance and your next payday.
• See your cash trajectory: what's already spoken for by upcoming bills, and what's genuinely free to spend until you're paid again.
Not sure yet? Tap "See it with sample data" and walk through the whole flow before you upload anything of your own.
PRIVATE BY DESIGN
Your statements are processed on your device. There is no Spensyble server, and your transactions, balances, and bills are never sent anywhere or synced. The only network requests the app makes are to handle your subscription, through Apple and our subscription provider, RevenueCat. Your statements stay on your phone, full stop.
WHAT SPENSYBLE IS (AND ISN'T)
It's a calculator, not a coach. There are no categories to maintain, no savings goals, no advice. It doesn't connect to your bank, and it doesn't offer financial, investment, or tax guidance. It tells you, clearly, whether you can afford it before Friday.
FREE TO TRY
Statement import and bill and paycheck detection are free. A 7-day free trial unlocks the rest:
• Balance projection through payday
• Cash trajectory and the bills due before payday
• Monthly totals and trends
After the trial, Spensyble is $79.99 per year (save 33% vs. monthly) or $9.99 per month.
Subscription details: Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your App Store account settings. Any unused portion of a free trial is forfeited when you purchase a subscription.
Terms of Use: https://www.spensyble.com/terms
Ratings & Reviews
A cleaner, clearer Spensyble:
- Your cash trajectory is the first thing you see on Results, with your balance underneath.
- Adjust a bill's date or amount with one tap, and undo a removal.
- Monthly totals show money in, money out and net for each month, with a bar for the trend.
- Light mode now covers the whole app, including the subscription screen.
- Bills are grouped into "Looks right" and "Please check", with a count of what's left.
- Safer imports: likely duplicate transactions are flagged before they are added.
- Fixes: bills with an apostrophe in the name (like Domino's) can now be confirmed and removed;
leaving the sample data no longer clears statements you saved earlier; your chosen payday is remembered.
The developer, Matt Cox, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Matt Cox
- Size
- 10.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - Mac
Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Spensyble Monthly $9.99
- Spensyble Annual Plan $79.99
- Copyright
- © 2026 Matt Cox