Your Complete
Personal Finance Solution
Track expenses, manage budgets, and never forget who owes you money.
All in one beautiful app.
Personal Finance Should Not Be Complicated
Yet most people struggle with these common challenges
Scattered expenses across multiple apps and receipts
No visibility into spending patterns and budgets
Manual entry wastes hours every month
Comprehensive Finance Management
Everything you need to take control of your finances
Smart Expense Tracking
Categorize expenses by type — food, transport, entertainment, and more. Track every dollar in seconds.
Budget Management
Set category budgets and get real-time alerts when approaching limits.
Receipt Storage
Attach and store receipt photos with your transactions for easy reference.
Financial Insights
Visualize spending patterns with interactive charts and detailed reports.
Lending & Borrowing
Track money lent to friends with automatic reminders and payment tracking.
Secure Cloud Sync
Your data is encrypted and synced securely across your devices. Always backed up.
Multi-Currency
Support for 150+ currencies. Set your home currency and track spending anywhere.
Quick Entry
Add transactions in seconds with a built-in calculator and recent category suggestions.
Smart Budgets
Stay on Track
Create budgets by category — Food, Entertainment, Transport, and more. See exactly how much you've spent vs. your limit with visual progress bars and a clean overview of days remaining.
Built-in Lending Tracker
Ever lent money to a friend and forgot about it? Spendwise tracks every IOU in one place. See who owes you and what you owe — no more awkward "hey, remember that money?" moments.
One Price. Everything Included.
Try all Premium features free for 1 month. Then choose your plan:
Free
Perfect for getting started
- 20 transactions per month
- 2 active budgets
- 3 lending records
- Basic insights & charts
- Secure cloud sync
Premium
Everything you need, unlimited
- Unlimited transactions
- Unlimited budgets & lending
- Receipt photo storage
- Multi-currency support
- Priority support
Try free for 1 month, cancel anytime
See Full Pricing Comparison →Why Spendwise?
What makes us different from every other finance app
Built-in Lending Tracker
The only finance app that tracks who owes you and who you owe. No more forgotten IOUs.
Real Financial Insights
See where your money goes with interactive charts, category breakdowns, and month-over-month trends.
Refreshingly Affordable
Premium at $3.99/mo — while Monarch charges $8.33 and YNAB charges $14.99.
Why Choose Spendwise?
Compare us with the competition
| Feature | Spendwise | Monarch | YNAB | PocketGuard |
|---|---|---|---|---|
| Price | $3.99/mo | $8.33/mo | $14.99/mo | $7.99/mo |
| Lending Tracker | ✅ | ❌ | ❌ | ❌ |
| Multi-Currency | ✅ | ⚠️ Limited | ⚠️ Limited | ❌ |
Spendwise gives you unique features at a fraction of the cost
Frequently Asked Questions
Everything you need to know
Yes! All new users get 1 month of Premium features completely free. No credit card required. After that, continue with the free plan or upgrade for $3.99/mo.
Ready to Take Control of Your Finances?
Track lending, save money, and stay organized.
All for less than a coffee per month.
Start your 1-month free trial. No credit card required.