See Exactly When You'll Be Debt-Free
Compare payoff strategies, track every balance in real time, and watch your debt-free date get closer with every payment.
Learn more Built for Couples
Finally, Finances You Can Both See
Shared workspaces, joint debt payoff plans, and full transparency — without merging bank accounts.
4
Access Roles
Unlimited
Workspaces
13,000+
Banks Supported
Money Shouldn't Be a Source of Conflict
Most finance apps are built for one person. Couples need something different.
Spreadsheet Arguments
Sharing a spreadsheet never works. One person forgets to update it, the other doesn't check. You end up arguing over outdated numbers.
Hidden Debt Surprises
Finding out your partner has debt you didn't know about is stressful. Without shared visibility, financial surprises are inevitable.
Who Pays What?
Splitting expenses manually is tedious and breeds resentment. You need a system, not a calculator and a grudge.
How Spendify Solves It
Built for two people who want one financial picture — without losing their independence.
Shared Workspaces
Both partners see the same accounts, transactions, and balances in real time. Owner and Admin roles let you decide who can edit.
Joint Debt Payoff
See a combined debt-free date. Compare strategies together — snowball, avalanche, or custom. One plan, two people invested.
Separate + Together
Keep personal workspaces private and share a household workspace. No forced account merging — you choose what to share.
Budget Transparency
Shared budgets with rollover. Both of you see where the money goes without awkward 'what was that charge?' conversations.
Get Started in Under 2 Minutes
1
Create a Workspace
Set up a shared workspace for your household finances. Takes 30 seconds.
2
Invite Your Partner
They get an invite link. Choose their role — Admin for full access, or Viewer for read-only.
3
Connect Your Accounts
Link shared accounts, or both connect your own. Plaid syncs 13,000+ banks automatically.
Common Questions
Yes. Each person can have their own personal workspace that's completely separate. Only the shared household workspace is visible to both partners. You control exactly what's shared.
No. One subscription covers everything. The workspace owner invites their partner, and both get full access to the shared workspace. Each person signs in with their own account.
Absolutely. Debt in your shared workspace shows a combined payoff timeline. Debt in your personal workspace stays private. You can run different payoff strategies in each.
The workspace owner has full control. Admins can manage accounts, budgets, and transactions. Members can view and categorize. Viewers get read-only access. You choose what fits your relationship.
The workspace owner retains the workspace. Removed members lose access immediately but keep their personal workspace and any accounts connected there. No data is deleted from personal workspaces.
Spendify uses bank-level encryption (AES-256) and connects through Plaid, the same provider used by Venmo, Robinhood, and thousands of other apps. We never store your bank credentials.
Spendify for every season
Life rarely fits one label. See how Spendify adapts to other chapters.
Your Whole Household, One Financial Picture
Track household spending, manage family debt, and teach kids about money — with roles that keep everyone in their lane.
Learn moreBudgeting That Works When Income Doesn't
Track irregular income, separate business expenses for tax time, and plan for quarterly payments — without a spreadsheet or an accountant.
Learn moreFrom the blog
Deeper reading on the ideas behind this playbook.
How to Migrate from Mint to Spendify: A 15-Minute Step-by-Step Guide
A concrete step-by-step guide for migrating from Mint (now Credit Karma) to Spendify. Export your data, reconnect via Plaid, and set up a debt-payoff plan in about 15 minutes.
Read articleHow to Use AI to Actually Manage Your Money (Not Just Get Generic Advice)
Most people use AI for personal finance wrong. They ask generic questions and get generic answers. Here's how to go from useless advice to real financial analysis.
Read articleStart Managing Money Together
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