Spence is the private way to understand your money. Say or type an expense, scan a receipt, ask a question and get a chart back. Everything you save is encrypted on your phone before it syncs, so only you and the people you choose can read it, and that includes us.

No bank login needed. No ads. Your data is never sold.

A NEW LOOK, MADE CALM
• One number for your month: what is left, what is safe to spend today, and a pace bar
• One "+" for everything: type it, scan a receipt, scan a price tag or import
• Light and dark, in two color palettes. Hold any Home card to hide it or move it, and hide balances with one tap

ASK SPENCE, GET A CHART
• Ask "where did my money go this month?" and see a donut, bars or a price line drawn from your own receipts
• Answers are worked out on your phone; the AI only sees the few numbers it needs
• Log an expense by typing or saying it. Spence asks before it changes anything, and you can undo

SCAN IT. DONE.
• Scan a receipt and every item is read with price, weight and category, and saved only when it adds up to the total
• Returns, split bills and tips handled for you
• Share a photo, PDF, e-receipt or online order into Spence; import your Amazon history or any spreadsheet
• Recurring bills and subscriptions, found and tracked, including in shared spaces

LINKED FOR YOU: CAR AND HOME
• A tire rotation, oil change or car wash lands on your car with its mileage, with a reminder for the next one
• Gas and charging go to the right vehicle; home bills, repairs and projects are counted in Home costs
• Mortgage, live: balance, payoff date and interest saved from the payments you actually make, extra principal found automatically
• Own, rent or both. Car loans and leases, with miles against your allowance
• Utilities: import billing histories and see every kind, month by month

BUDGETS WITH A MEMORY
• Tap a category to set its budget and see its latest expenses
• Change it from this month, from a month you pick or for every month. Past months keep what they were
• See what you spend with no budget, and set one in a tap

REWARDS AND SAVINGS
• Store rewards: Costco-style memberships, store cards and cash back. Spence matches the fee to your bills, estimates what you earn and tells you if the fee paid for itself
• Savings goals and a month forecast

SEE WHERE IT GOES
• Pick any past month and every insight follows it
• Where it goes by category or store, with each store's visits, items and tax
• Your prices: your own inflation, the same product followed across stores
• Smart shopping and Price Watch: snap a shelf tag, follow a price, get an alert at a target or a drop

SHARE WITHOUT GIVING UP PRIVACY
• Spaces for family, roommates or a trip, by email invite
• Add straight into a space or trip from its page; split, settle up in the fewest payments, shared budgets and bills
• Trips mapped on your phone, with flights from your tickets

PLAN AHEAD
• Your personal AI CFO with three moods: taxes (US and Canada), cash flow for the year, net worth, RSU and ESPP
• Optional fingerprint lock for the CFO and app lock

PRIVATE BY DESIGN
• End-to-end encrypted expenses, receipts, trips, assets and settings; your key stays with you
• Sync check and Recently deleted: see everything is here, and bring back deletions for 30 days
• Delete your data or your account any time, in the app

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Additional Information