Spensyble
Bills & Safe-to-Spend Planner
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.
• See every day until payday: a calendar shows your balance at the end of each day. Tap a day to try a spend and see how it changes the rest of the cycle. Nothing is saved.
• Add one-time expenses, like a dentist visit, alongside your recurring bills.
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
• Day-by-day calendar with what-if spends
• 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://spensyble.com/terms
Ratings & Reviews
See the sample before you add your statement.
- "See it with sample data" now opens the sample Results screen, so you can see your safe-to-spend number and the day-by-day calendar before adding your own bank statement. The sample uses made-up numbers.
- The sample ends with an "Add my bank statement" button.
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
- 10.2 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. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Spensyble Monthly $9.99
- Spensyble Annual Plan $79.99
- Copyright
- © 2026 Spensyble
