Budget the money you actually have

SpendMoney turns your income into clear spending limits, flexible savings funds, and simple monthly choices — without connecting a bank account.

You do not need to be on the current allowlist to submit a request.

Everything you need. Nothing you don't.

Set firm monthly amounts for every spending category. Every purchase has context so you always know where you stand.

Build separate funds for emergencies, goals, and future expenses. Protect the money that needs to stay set aside.

Upload transactions from your bank export whenever you are ready. No live account connection required.

Collaborate on a budget with a partner, household member, or anyone you choose. Everyone stays on the same page.

Your financial data is encrypted before it ever leaves your device. We cannot read your transactions or budgets.

SpendMoney never asks for your bank credentials. Budget on your own terms, on your own schedule.

Start your subscription today and take full control of your budget, savings, and spending in minutes.