"Can I grab coffee today?" "Do happy hour Friday?" SpotFunds is a spending coach that goes beyond budgeting. It learns from you and tells you what you can spend.
Your bank tells you how much money you have. It doesn't tell you how much you can actually spend today, this week, or this weekend and still make it to payday with room to breathe.
SpotFunds was built to go beyond budgeting.
It's a spending coach, not a budget tracker. It learns how you spend, builds a pace that's personal to you, and proactively tells you when it's a day to ease off spending and when it's a day to go have fun. And exactly how much fun you can afford.
Think of a pace like a budget that moves with you. Instead of one fixed number you're trying not to break, SpotFunds tells you what's actually safe to spend right now. This is your Ready-to-Spend® amount, and it was built to make your money last until payday. The more purchases you log, the sharper the coach gets at knowing your routines: the Friday coffee, the weekend that always runs a little high, or the work lunches that pile up.
You log what you buy, and that small moment is the whole point. It keeps you aware and helps the SpotFunds coach learn so it can help before you spend, not after the money's already gone.
- A good coach checks in at the right time. Ever headed out assuming you're fine for lunch or coffee, only to realize later you should've packed it? Happens to all of us! SpotFunds gives you a read on your pace first thing in the morning, so if it's a day to ease off, you'll know before you leave the house, not after.
- A good coach respects your privacy. Turn it on, and SpotFunds gives you a quiet heads-up of your Ready-to-Spend amount the moment you arrive somewhere you usually spend, before you order. No constant pinging. Just the right nudge in the right place.
- A good coach is there the moment you ask. Or tell. "Hey Siri, ask SpotFunds if I can do happy hour Friday." Ask about today, the weekend ahead, or even tell SpotFunds to log a purchase on the spot, without ever opening the app.
- A good coach provides helpful information. Your pace, right on your Home Screen. One look tells you where you stand. No need to open the app, and no math to do.
You log purchases in a couple taps, and before you know it your coach helps you decide before you spend, not just tally your spending up later.
SpotFunds is smart. And private. None of your information leaves your phone. SpotFunds learns entirely on your device. Your spending information is yours, and yours alone.
Know what you can spend before you spend it.
I've used SpotFunds to track a lot of the on-the-go miscellaneous expenses for my small business (parking, business lunches, coffee shops, etc). I love how quick and simple it is. NO setup--you can just start tracking right away. And the smart locational prompts are awesome. Well worth it!!
Great!
roddyj
Didn't take long for me to recognize my habit and change behavior all because of this app. I think it has already saved me a bunch of cash.
Excellent!
Tron5000
Great for anyone who wants an easy way to keep an eye on their monthly spending.
SpotFunds 2.0 is a ground-up reimagining built around one idea: your coach should be the first thing you see, not something buried behind charts and numbers.
What's new:
- A new Today tab. Open the app and your coach greets you with exactly where you stand, before you go looking for it.
- Ask. And tell. "Siri, ask SpotFunds if I can I do happy hour this weekend" "Siri, tell SpotFunds to log a new activity." And much more!
- SpotCheck. Get a quiet heads-up of what's ready to spend the moment you arrive somewhere you usually spend.
- Widgets. Your pace, right on your Home Screen, one glance away.
- A calmer, cleaner look throughout, designed to keep the SpotFunds coach front and center.
- Performance improvements throughout.
Everything still happens on your device. Your spending stays yours, and yours alone.
Version 2.0
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
31.5 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.
