Everything You Need to
Get Out of Debt
Spendify™ pairs debt planning with AI insights, automated tracking, and full financial visibility. An app that tells you what to do — not just what happened.
See Your Debt-Free Date
Compare Strategies
Snowball or avalanche, side by side. See how each method shifts your payoff date and the interest you'll save.
Run the Numbers
Add an extra $100 this month or model a bonus in June. What-if scenarios show the exact impact on your timeline.
Save an average of $530 in interest
See which strategy gets you debt-free fastest
Compare snowball, avalanche, and custom strategies side by side. Your first year is just $1.
Your Personal Finance Advisor
Ask Anything About Your Money
"How much did I spend on dining this month?" "What subscriptions can I cancel?" Plain-language answers from an AI that reads your actual accounts.
Grounded in Your Data
Answers pull from your real spending, budgets, and debt — not generic advice. Full conversation history stays with you.
See the Full Picture
Track Your Net Worth
Assets up, debt down, side by side. Weekly, monthly, and yearly views for progress over any window.
Know Where Every Dollar Goes
Top categories, top merchants, month-over-month trends. Patterns, not just a list of transactions.
Every Dollar Has a Plan
Budgets That Work
Set category limits that fit your life and see how each dollar affects your debt-free date.
Never Miss a Bill
Every recurring charge and due date in one place. Subscriptions are detected automatically — no manual entry.
Finances, Together
Shared Workspaces
One workspace per household. Share with your partner so everyone sees the same accounts, budgets, and progress.
Roles & Permissions
Control who can view and who can edit. Owner, Admin, Editor, and Viewer roles keep your finances organized and secure.
Your Banks. Connected.
Link your accounts and everything syncs automatically. Over 13,000 financial institutions supported, plus native Apple FinanceKit on iOS.
Built for People Who
Care About Details
Automation, organization, and control — the features you didn't know you needed.
Smart Rules Engine
Set rules to auto-categorize, tag, and organize transactions by merchant, amount, or type. Preview matches before applying.
Recurring Detection
ML-powered detection finds your subscriptions and recurring charges automatically. See your true monthly cost at a glance.
Custom Categories & Tags
Your categories, emojis, and colors. Tag and group transactions the way you already think about money.
Push Notifications
Budget warnings, bill reminders, and connection alerts. Stay informed without opening the app.
Receipt Attachments
Snap a receipt, attach a PDF, or upload a document. Everything lives with the transaction it belongs to.
Bulk Operations
Categorize, tag, or exclude dozens of transactions at once.
See All These Features
In Action
Compare strategies, track spending, and see your debt-free date. First year is $1. Cancel anytime.