One Plan.
Everything Included.
No tiers, no upsells, no feature gates. Every Spendify user gets full access to every tool — for less than two cups of coffee per month.
Spendify
Budget & Debt Payoff
$79.99 billed annually
7-day free trial. No credit card required. Cancel anytime.
Everything You Get
One subscription. No feature tiers. No hidden costs. Here's what's included.
Debt Planning
- Exact debt-free date calculator
- Snowball, avalanche, and custom strategies
- Side-by-side strategy comparison
- What-if scenario modeling
- Interest savings projections
- Payment schedule tables
- Extra payment impact analysis
Tracking & Accounts
- Unlimited bank & card connections
- Automatic transaction syncing
- Smart auto-categorization
- Custom transaction tags
- Receipt & document attachments
- Investment portfolio tracking
- Net worth dashboard
- Balance history charts
Budgeting
- Category-level budget limits
- Unused budget rollovers
- Spending vs. budget tracking
- Month-over-month comparisons
- Savings goal tracking
- Recurring expense detection
- Due date tracking across accounts
Collaboration & AI
- Unlimited workspaces
- Invite collaborators with roles
- Owner, Admin, and Viewer access
- AI financial assistant
- Natural language spending analysis
- Smart transaction rules engine
- Custom automation workflows
Insights & Reports
- Spending trends over time
- Income vs. expenses breakdown
- Category-level analytics
- Monthly & yearly summaries
- Cash flow visualization
- Recurring charges detection
Connections & Security
- 13,000+ supported institutions
- Apple FinanceKit (Apple Card, Cash, Savings)
- Bank-grade encryption
- Biometric authentication
- No ads, ever
- Your data is never sold
- iOS and Android apps
Why Pay for a Finance App?
Free apps come at a cost — your data, your attention, or your trust. Spendify is built differently. You're the customer, not the product.
Never Any Ads
Mint was free because it showed you targeted financial ads. Spendify's revenue comes from subscriptions — so the app is designed to help you, not sell to you.
Your Data Stays Private
We never sell, share, or monetize your financial data. Bank-grade AES-256 encryption keeps everything secure, and we support biometric authentication for extra protection.
Reliable Data You Can Trust
Premium connections mean faster syncing, fewer errors, and real-time balance updates. Your financial picture is always accurate and up to date.
We're Not Going Anywhere
When Mint shut down, millions lost their financial data. Spendify's subscription model means sustainable revenue — we're built to last, not to get acquired.
How We Compare
More features, better price. Spendify gives you everything the competition offers — plus the tools they don't have.
| Spendify | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Annual price | $79.99 | $109 | $99.99 | $95 |
| Debt payoff planner | ||||
| Strategy comparison | ||||
| What-if scenarios | ||||
| AI assistant | ||||
| Unlimited workspaces | ||||
| Transaction tracking | ||||
| Budgeting | ||||
| Investment tracking | ||||
| Android app |
Common Questions
Ready to See Your
Debt-Free Date?
Join thousands of people who stopped guessing and started planning. Your future self will thank you.
Coming Soon