Spense: Your Budget Companion

Finance

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Meet Spense — your budget buddy with a friendly fish who makes budgeting fun. Free forever for manual users. Free to try for automatic bank sync. Spense — Envelope Budgeting That Actually Works Every dollar deserves a purpose. Spense uses zero-sum budgeting—give every dollar a job until you have $0 left to assign. No money sitting idle, no guessing what's available. Free to Start. Powerful When You Need More. Spense is completely free for manual budgeters. Create accounts, add transactions, and manage your envelopes at no cost. When you're ready to automate, start a 14-day free trial to sync your bank accounts automatically. - Free Forever: Manual accounts, manual transactions, full envelope budgeting - Plus ($2.99/month or $24.99/year): Automatic bank sync via Plaid with a 14-day free trial How Envelope Budgeting Works 1. Create envelopes – Set up categories for groceries, dining, rent, savings, and more 2. Stuff your envelopes – Assign your paycheck across envelopes until your "To be budgeted" hits $0 3. Spend confidently – Check your envelope before checkout. No guilt, no guessing—spend what you've already set aside 4. Get paid, repeat – Record your income and stuff your envelopes again Why Spense is Different - Zero-sum budgeting – Every dollar gets a job. Budget until $0 remains unassigned. - No spreadsheets, no math – A 100+ year old proven technique, made effortless - Review every transaction – See, categorize, and know exactly where your money went - Manual or automatic – Add transactions yourself for free, or sync your bank automatically - Auto Mode available – Like Copilot: transactions categorize themselves as they arrive. Perfect for reactive budgeters who want visibility without the work - Smart credit card tracking – See spending per card and track payments automatically - Customize everything – Pick your own emojis for any category to make your budget feel like yours - YNAB import – Switching? Bring your categories and history with you Switching from YNAB or Copilot? - From YNAB: Import your existing data. Same zero-sum method, simpler app, lower cost. - From Copilot: Use Auto Mode for the same hands-off experience at a fraction of the price Key Features - Real-time envelope balances - Transaction review and categorization - 14-day free trial for bank sync - Flexible reallocation between envelopes - Bank-level security with biometric authentication - Works with any pay schedule Perfect For - YNAB users looking for a simpler, more affordable alternative - Copilot users who want auto-categorization at lower cost - Anyone who wants to budget without connecting their bank account - People tired of tracking overspending after it happens Stop reacting to your spending. Start being proactive with Spense. Bank sync requires a Plus subscription (14-day free trial included). Download Spense today and give every dollar a purpose! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://usespense.com/privacy

Ratings & Reviews

  • 5.0
    out of 5
    11 Ratings

New - Six new animated splash screens — your fish does something different every time you open the app - Recent Updates popup so you don't miss what changed - Custom emojis on any category or subcategory — make your budget feel like yours - Notifications for new transactions in both Auto and Classic modes - Credit cards now show as actual cards on the Accounts screen Improvements - Transactions are now individual cards instead of one big container — easier to read, easier to act on - Cleaner Auto Mode budget screen with fewer redundant subcategories - Classic mode review shows whether a transaction is income or expense up front - Tap Assigned on Manual Mode to see what you've already spent - Smoother onboarding with Auto Mode selected by default - Major framework upgrade -- faster startup, smoother animations across the board Bug Fixes - Fixed swipe actions crashing on the Accounts and Subcategories screens - Fixed dark/light mode toggle crash on startup - Fixed product tour glitches and onboarding errors - Fixed credit card payments showing as income in Reflect - Fixed assigned amounts for system subcategories like credit card payments

Version 2.2.0

The developer, DelamainLabs LLC, 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
    • Identifiers
    • Usage Data
    • Diagnostics

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
  • DelamainLabs LLC
Size
  • 66.4 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
Copyright
  • © Delamainlabs
  • Developer Website
  • Privacy Policy

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