SpotFunds: Spending Coach

Pace budgets between paychecks

Only for iPhone

Free

iPhone

Not your usual budget tracker - a personal spending coach. A proactive coach for your spending that can even give you a $$ heads-up when you walk into your usual Spots. SpotFunds is NOT a traditional budget tracker. It is a smart, personal spending coach that helps you get your discretionary spending in shape. Did you know that most people live paycheck to paycheck? One big reason: discretionary spending sneaks up fast! Then, we typically reach for the credit card to get by and slowly increase our financial debt. SpotFunds shows you HOW to pace yourself, letting you know exactly how much you can safely spend TODAY - what we call your Ready-to-Spend® - so you never burn out of money before your next paycheck. Ready-to-Spend® adjusts as you add transactions, giving you real-time feedback on if and when you should "rest" your spending in a budget. This helps make your spending steady and sustainable. Every day, SpotFunds calculates your Ready-to-Spend® across your different budgets. As you log purchases, SpotFunds adjusts your pace and sends you helpful alerts so you never run out of money before payday. The more you use SpotFunds, the smarter it gets! - Learns when you typically spend (mornings, weekends, etc.) - Shows your Ready-to-Spend when you arrive at places relevant to your budgets (opt-in) - Sends helpful nudges at the right moments before you leave for the day __________________________________________ * Ready-to-Spend® Most budget apps show what's LEFT in your budget. SpotFunds shows only what's SAFE to spend today. Think of it as your energy gauge - it drops as you spend and recovers as you approach payday, helping you pace your spending so your money lasts! * SpotCheck Notifications Avoid overspending with privacy! When you opt-in, SpotFunds shows your Ready-to-Spend® amount when you arrive at places only relevant to YOUR budgets. Know what you can spend when you walk in, not feeling the guilt of overspending after you leave. 100% private, no location data leaves your device! Example: "At Starbucks? Your Coffee budget has $8.98 Ready-to-Spend!" Importantly, SpotCheck notifications aren't spammy. They are PERSONALIZED to YOU. You won't get unwanted, irrelevant notification. These are personalized coaching nudges based on YOUR habits & budgets. * Private. Learning. SpotFunds keeps your data on the device. It recognizes your patterns - when you spend, where you go, how you pace yourself - and uses that to send you smarter notifications over time. When you tap a notification, you'll even see WHY you got it based on your spending behavior. All 100% private. * Works With Siri Ask Siri "Get ready to spend for coffee," or "Get ready to spend for eating out" and get your Ready-to-Spend® amount instantly. Ask Siri to, "Add a transaction in SpotFunds" and quickly add a transaction for a nearby place while you walk (or with CarPlay while your drive). * Widgets Configure widgets to get a quick glance of Ready-to-Spend® for whichever budget(s) you'd like. Did I already say this is 100% Private? All of your data stays on your iPhone. No cloud, no bank account connections, no sharing, no tracking. Your patterns are learned locally on your device to help you.

Ratings & Reviews

  • 5.0
    out of 5
    7 Ratings

SpotFunds is your personal, intelligent spending coach based on your spending patterns. Other apps track what you've already spent. SpotFunds shows you HOW to pace your spending so your money lasts between paychecks. Get PROACTIVE coaching before you start your day AND if you opt-in, get a heads-up when you walk into your favorite Spots about how much you can safely spend. All 100% private. What's new: Small bug fixes Thank you so much for trying SpotFunds! Let's tackle the debt together.

Version 1.22

The developer, Dan Segars, 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:

    • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer indicated that this app supports the following accessibility features. Learn More

  • Supported Features

    • Larger Text

    • Dark Interface

    • Differentiate Without Color Alone

    • Sufficient Contrast

    • Reduced Motion

Information

  • Seller
    • Dan Segars
  • Size
    • 14.5 MB
  • Category
    • Finance
  • Compatibility
    Requires iOS 26.0 or later.
    • iPhone
      Requires iOS 26.0 or later.
    • Apple Vision
      Requires visionOS 26.0 or later.
  • Location
    • This app may use your location even when it isn’t open, which can decrease device battery life.
  • Languages
    • English
  • Age Rating
    4+
  • Copyright
    • © 2015 SpotFunds
  • Developer Website
  • Privacy Policy

    • More by Dan Segars

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