Built for Homeowners
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 moreBuilt for Freelancers
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.
Unlimited
Workspaces
Auto
Categorization
13,000+
Banks Supported
Rated 4.8+ on the App Store
The problem
Freelance Finances Are a Different Game
Fixed-income budgeting apps don't work when your income changes every month.
Income Rollercoaster
One month you make $8,000, the next $2,500. Traditional budgets assume a steady paycheck. They break the moment your income fluctuates.
Business and Personal Blur
Client dinners, software subscriptions, home office costs. When business and personal spending share an account, tax time becomes a nightmare.
Tax Season Panic
Scrambling to find deductible expenses in February because nothing was categorized during the year. Quarterly estimates are a guess at best.
How Spendify helps
How Spendify Helps Freelancers
Separate workspaces, auto-categorization, and budgets that flex with your income.
Business & Personal Workspaces
One workspace for freelance income and expenses, another for personal. Clean separation means you always know what's deductible.
Clean tax-time separation
Auto-Categorize Expenses
Set up transaction rules once, software subscriptions, coworking fees, client meals, and every future transaction is categorized automatically.
Flexible Budgets with Rollover
Budget based on your lowest income month. When you earn more, rollover carries the surplus forward. When income dips, the buffer is there.
Quarterly Tax Planning
Track income month by month so you can estimate quarterly payments accurately. No more guessing. You can see exactly what you've earned.
One calm picture
Every account, in one place.
Connect your banks, cards, loans, and investments once. Spendify keeps everything in sync so the whole financial picture stays current without a single spreadsheet.
See how it worksGetting started
Get Organized in Under 2 Minutes
1
Create Two Workspaces
One for your freelance business, one for personal. Keep them separate from the start.
2
Connect Your Accounts
Link business and personal bank accounts. Set up auto-categorization rules for recurring expenses.
3
Track and Plan
See income trends, categorized expenses, and budget health. When quarterly taxes come due, your numbers are ready.
Common Questions
Set your budget based on your lowest expected monthly income. When you earn more, the rollover feature carries surplus into future months, building a buffer for slower periods. You always know your floor.
Yes. Create a dedicated workspace for your freelance business with its own accounts, budgets, and transaction categories. Your personal workspace stays completely separate, great for tax time.
You create rules based on merchant name, amount, or date pattern. For example: any transaction from 'Adobe' gets tagged as 'Software Subscriptions.' New transactions matching those rules are categorized automatically.
Yes. All deposits into your connected accounts are tracked. You can categorize income by client using transaction rules, giving you a clear picture of where your revenue comes from.
No. Spendify handles day-to-day tracking, budgeting, and expense categorization. For invoicing, payroll, and tax filing, you'll still need accounting software. Think of Spendify as the visibility layer that keeps you organized so tax prep is painless.
Yes. Invite your accountant or bookkeeper to your business workspace with Viewer access. They see your categorized transactions and spending summaries, nothing from your personal workspace.
Explore more
Spendify for every season
Life rarely fits one label. See how Spendify adapts to other chapters.
Built for New Graduates
Your 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 more
Built for Student Loan Borrowers
See Your Student Loan Payoff Date
Stop guessing when you'll be free. Spendify calculates your exact payoff date, compares strategies, and shows how extra payments change your timeline.
Learn moreFrom the blog
Deeper reading
More on the ideas behind this playbook.
Inflation Is Back at 4.2%: How to Protect Your Budget in 2026
May CPI hit 4.2%, the highest in three years. Here's what re-accelerating inflation does to your budget in real dollars, and the concrete moves to defend it.
Read articleThe Fed Meets This Week and Rate Cuts Are Off the Table: What to Do
The Fed meets June 16-17, 2026 and cuts are off the table. Some officials are floating hikes. Here's what higher-for-longer rates mean for your money.
Read articleStop Guessing, Start Tracking
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