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 more 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.
3
Payoff Strategies
Unlimited
Bank Connections
13,000+
Institutions
Adulting Is Hard Enough
No one teaches you how to manage money after graduation. You're not alone.
Where Does It All Go?
Your paycheck hits, and somehow it's gone by the 20th. Without tracking, you have no idea where your money actually went.
Debt from Day One
Student loans, maybe a credit card — you're starting your career already in the red. The minimum payment feels like it never makes a dent.
No One Taught You This
School didn't cover budgeting, debt payoff strategies, or how to read a bank statement. You're figuring it out alone.
What You Actually Need
Not another app that judges your spending. A tool that helps you build your first real financial system.
Budgets That Make Sense
Create budgets that fit your actual income. See where your money goes each month with auto-categorized transactions. No manual tracking.
A Real Debt Plan
See your exact debt-free date. Compare payoff strategies and know which one saves you the most money — with your real numbers.
Everything Connected
Link your checking, savings, credit cards, and loans in one place. Balances update automatically through 13,000+ supported banks.
Smart Rules
Set up rules to auto-categorize transactions. Spendify learns your patterns so you spend less time managing and more time living.
Set Up in Under 2 Minutes
1
Connect Your Accounts
Link your bank, credit cards, and student loans. Plaid connects securely to 13,000+ institutions.
2
Set Your Budget
Create category budgets based on your income. See where you're spending and where you can cut.
3
Get Your Debt Plan
See your debt-free date and start making progress. Watch your balance drop with every payment.
Common Questions
The average Spendify user saves $530 in interest by choosing the right payoff strategy. At $9.99/month (or $6.67/month annual), the app typically pays for itself many times over. Plus, your first year is just $1.
Even with just a checking account and student loans, Spendify gives you a budget, a payoff plan, and a debt-free date. It's designed to grow with you as your finances get more complex.
Yes. Spendify uses AES-256 encryption and connects through Plaid — the same provider used by Venmo, Robinhood, and thousands of other financial apps. We never store your bank credentials.
Absolutely. The budgeting tools work independently of the debt planner. Track spending, set category limits, and see where your money goes — even if you don't have debt.
Almost certainly. Spendify supports over 13,000 financial institutions through Plaid, including all major banks, credit unions, and loan servicers.
Yes — your first year is just $1 with full access to every feature. Cancel anytime.
Spendify for every season
Life rarely fits one label. See how Spendify adapts to other chapters.
Separate Business and Personal — Finally
Dedicated workspaces for your business finances. Track expenses, manage business debt, and keep everything clean for tax time.
Learn moreFinally, Finances You Can Both See
Shared workspaces, joint debt payoff plans, and full transparency — without merging bank accounts.
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 Your Financial Plan
Get your first year for $1. Cancel anytime.