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 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.
13,000+
Banks Supported
Real-Time
Balance Syncing
3
Payoff Strategies
Homeownership Is Expensive — and Confusing
Between the mortgage, insurance, taxes, and maintenance, it's hard to know where you actually stand.
Mortgage Black Box
You make payments every month but have no idea how much is going to principal vs. interest. Your debt-free date feels like a mystery.
Scattered Property Costs
Insurance, HOA, property tax, maintenance, repairs — property expenses hit from every direction and blow up your budget.
Net Worth Blind Spots
Your home is probably your biggest asset, but most finance apps ignore it. You're tracking everything except the thing that matters most.
How Spendify Helps Homeowners
See your mortgage payoff timeline, track home equity, and budget for every cost of ownership.
Mortgage Payoff Planner
See your exact debt-free date. Compare snowball, avalanche, and custom strategies. See how extra payments shorten your timeline and save on interest.
See your debt-free date
Home Equity in Net Worth
Your home value minus your remaining mortgage — tracked automatically. Watch your equity grow as you pay down principal each month.
Property Expense Budgets
Create budgets for insurance, property tax, HOA, maintenance, and repairs. Rollover lets you save toward big seasonal expenses like annual tax bills.
All Accounts Connected
Mortgage, checking, savings, and credit cards — all synced through Plaid. See the full picture without logging into five different portals.
Get Started in Under 2 Minutes
1
Connect Your Mortgage
Link your mortgage lender through Plaid. Balance, rate, and payment schedule sync automatically.
2
Add Property Expenses
Set up budgets for insurance, taxes, HOA, and maintenance. Categorize past transactions to see where money went.
3
See Your Timeline
Your debt-free date, equity growth, and monthly cash flow — all in one dashboard. Adjust your strategy and watch the numbers change.
Common Questions
Yes. Connect your mortgage lender through Plaid and your balance, interest rate, and payment history sync automatically. Over 13,000 institutions are supported, including most major mortgage servicers.
Spendify tracks your mortgage balance as a liability. As you make payments, your balance decreases and your net worth increases. You can see exactly how each payment moves the needle.
Absolutely. The debt payoff planner lets you add extra monthly payments or lump sums and instantly see how they change your debt-free date and total interest paid.
Spendify tracks your total mortgage payment including escrow. You can also create separate budgets for property tax and insurance to plan ahead for annual bills or escrow shortfalls.
Yes. Create separate workspaces for each property — primary residence, rental, vacation home. Each gets its own debt plan, budget, and account connections.
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.
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 moreSeparate Business and Personal — Finally
Dedicated workspaces for your business finances. Track expenses, manage business debt, and keep everything clean for tax time.
Learn moreFrom the blog
Deeper reading on the ideas behind this playbook.
Is It Safe to Connect Your Bank to an App? What You Should Know
Worried about linking your bank account to a finance app? Here's how Plaid works, what data is shared, and why it's safer than most alternatives.
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