Budgeting 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 more Built for Families
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.
4
Member Roles
Unlimited
Budgets
13,000+
Banks Supported
Household Finances Are Complicated
Multiple accounts, multiple people, zero coordination. Sound familiar?
Financial Chaos
Multiple accounts, multiple people spending, no single view of where money goes. You're always one surprise expense away from stress.
No Guardrails for Kids
You want to teach financial literacy, but handing over a full finance app is too much. Kids need visibility without control.
Debt Piles Up
Family debt across mortgages, car loans, and credit cards grows without a coordinated plan. Each payment feels like it barely makes a dent.
How Spendify Helps Your Family
One workspace for the whole household, with the right level of access for everyone.
Role-Based Access
Owner and Admin manage everything. Members see balances and transactions. Viewers get read-only access — perfect for teens learning about money.
Owner, Admin, Member, Viewer
Household Budgets
One budget for groceries, one for kids' activities, one for date nights. Rollover means unspent money carries forward to next month.
Family Debt Dashboard
Mortgage, car loans, and student loans in one view. See the combined payoff timeline and how extra payments accelerate it.
13,000+ Bank Connections
Everyone's accounts in one place. Chase, Wells Fargo, local credit unions — all synced automatically through Plaid.
Set Up Your Family Workspace
1
Create Your Family Workspace
Name it, set it up, and you're the owner. One workspace for the whole household.
2
Add Family Members
Invite your spouse as Admin, your teen as Viewer. Everyone gets the right level of access.
3
Connect Accounts & Set Budgets
Link household accounts, create budget categories, and start tracking as a family.
Common Questions
Yes. Add them as a Viewer and they'll see budgets, transactions, and balances — but can't edit, delete, or connect anything. It's a great way to teach financial awareness.
There's no limit on collaborators. Add your spouse, kids, grandparents, or anyone else who's part of your household finances.
Yes. Add all your debt accounts to the family workspace and Spendify calculates a combined debt-free date. You can compare payoff strategies (snowball vs avalanche) to find the fastest path.
No. One subscription covers the whole family. The workspace owner pays, and everyone else joins through an invite link with their own free account.
Absolutely. Every family member can have their own personal workspace that no one else can see. The family workspace is shared; personal workspaces are private.
That's up to you. The Viewer role is read-only, so there's no risk of accidental changes. Many families add teens (13+) to start building financial literacy. Younger kids can look over your shoulder at the family dashboard.
Spendify for every season
Life rarely fits one label. See how Spendify adapts to other chapters.
Your Mortgage Has a Finish Line — See It
Track your mortgage payoff date, watch home equity grow in your net worth, and budget for every property expense — all in one place.
Learn moreYour First Real Financial Plan
You just got your first real paycheck. Spendify helps you budget it, track your spending, and make a plan for that student debt — all in one app.
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 articleGet Your Family on the Same Page
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