How It Works
Three steps. Real money. No hoops.
Step 1
Share Your Link
Grab your unique referral link from the Spendify app and share it however you like.
- Find link in Settings → Referral Program
- Share via text, email, or social
- One unique link per account
Step 2
Friend Subscribes
Your friend signs up using your link, connects an account, and subscribes to the annual plan.
- Signs up with your referral link
- Connects at least one account
- Subscribes to the annual plan
Step 3
You Get Paid
After their annual payment clears, we send you a $30 gift card via email.
- First payment is finalized
- $30 gift card via Tremendous
- Choose from Amazon, Visa, and hundreds more
Earn Up to $300 a Year
Refer up to 10 friends per year. That's $300 in gift cards — just for helping people you care about get their finances on track.
0
Per referral
0
Per year max
0
Max annual
Cap resets January 1st each year. Full terms
You're Not Selling Anything
You're helping a friend see their debt-free date. The gift card is a bonus — the real reward is watching someone you care about take control of their money.
The average Spendify user saves $530 in interest by choosing the right payoff strategy. When you share your link, you're not pushing a product — you're handing someone a shortcut to financial freedom.
"Told my sister about it. Now we're both crushing our debt."
Referral Program FAQ
You'll find your unique referral link inside the Spendify app under Settings → Referral Program. You can share it via text, email, or social media with one tap.
A valid referral is when someone signs up for Spendify using your referral link, connects at least one financial account, and subscribes to the annual plan. Once their first payment is processed and is no longer eligible for a refund, the referral qualifies.
After your friend’s first annual subscription payment is finalized and non-refundable, we’ll send you an email with a redemption link through our rewards partner, Tremendous. You’ll get a $30 gift card — choose from hundreds of options including Amazon, Visa, and more. Gift card rewards may be taxable — consult your tax advisor.
You can earn up to $300 per calendar year (10 valid referrals × $30 each). The count resets on January 1st each year.
No. Self-referrals, duplicate accounts, and fraudulent activity will result in permanent disqualification from the program. See our full referral program terms for details.
Yes. Your friend can subscribe to the annual plan through any platform — App Store, Google Play, or web billing. As long as they used your referral link to sign up and chose the annual plan, it counts.