Spendify: Budget & Debt Payoff

Budget, Track & Pay Off Debt

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

Your first year for just $1. See your exact debt-free date, compare payoff strategies, and ask your AI advisor anything about your money. You have all your financial data. But do you have a plan? Most finance apps show you where your money went. Spendify shows you where it should go. Connect your accounts once and get a real plan to pay off debt, build savings, and grow your wealth. SEE YOUR DEBT-FREE DATE Not "someday." The actual month. Spendify calculates exactly when you'll be debt-free and how much interest you'll save along the way. COMPARE PAYOFF STRATEGIES • Debt Snowball: Pay off smallest balances first to build momentum • Debt Avalanche: Target high-interest debt to save the most money • Custom Order: Set your own payoff sequence based on what matters to you • Adjust your extra payment and watch your debt-free date move in real time ASK YOUR AI ADVISOR "What did I spend on dining this month?" "How can I pay off my credit cards faster?" Ask anything about your money in plain English. Your AI advisor has real-time access to your accounts and transactions — personalized answers, not generic tips. TRACK EVERYTHING IN ONE PLACE • Transactions sync automatically via Plaid • Connect Apple Card, Apple Cash, and Apple Savings with FinanceKit • Budgets that actually fit your life • Recurring charges detected automatically — no more surprise subscriptions • Net worth so you can see the full picture SECURITY FIRST Bank-level AES-256 encryption. Read-only access — we can never move your money. Face ID and Touch ID support. No bank credentials stored. FEEL THE PROGRESS Every time you open the app, you see how far you've come. Interest saved. Time saved. Debts crossed off. Celebrate the wins. Get your first year for just $1. Then $79.99/year. Cancel anytime. Terms of Service: https://spendify.money/terms-of-service Privacy Policy: https://spendify.money/privacy-policy Questions? Reach out at support@spendify.money

Ratings & Reviews

  • 5.0
    out of 5
    4 Ratings

• Bulk transaction review — multi-select transactions and mark them as reviewed in one tap • Collapsible sections in Recurring for cleaner scanning, including the income group • Refreshed paywall with a new $1/year introductory offer for first-time subscribers • Cash flow totals now include unbudgeted spending for a more accurate picture • Visual polish across Settings, Accounts, Categories, Budgets, and Recurring • Stability fixes — accounts now cleanly cascade when unshared from a workspace

Version 1.0.4

The developer, Spendify Money 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:

    • Purchases
    • Financial Info
    • Contact Info
    • User Content
    • 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
  • Spendify Money LLC
Size
  • 86.1 MB
Category
  • Finance
Compatibility
Requires iOS 16.0 or later.
  • iPhone
    Requires iOS 16.0 or later.
  • iPad
    Requires iPadOS 16.0 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
  • Spendify Pro - Annual $79.99
  • Spendify Pro - Monthly $9.99
  • Learn More
Copyright
  • © 2026 Spendify Money LLC
  • Developer Website
  • Privacy Policy