Every dollar deserves a purpose. Spense uses zero-based budgeting: give every dollar a job until Ready to Assign hits $0. No money sitting idle, no guessing what's available.

Try Everything Free for 14 Days
Every feature, every mode, no credit card. Keep going with Spense Pro for $2.99/month or $24.99/year.

How Envelope Budgeting Works
1. Create envelopes: groceries, dining, rent, savings and anything else you spend on
2. Fill your envelopes: assign your paycheck across them until Ready to Assign is $0
3. Spend confidently: check an envelope before you buy, and spend what you've already set aside
4. Get paid, repeat: record your income and fill your envelopes again

Two Ways to Budget
- Manual Mode: hands-on envelope budgeting. Add transactions yourself or review the ones your bank sends, and decide where every dollar goes.
- Auto Mode: hands-off. Link your bank and transactions categorize themselves as they arrive, so you get the full picture without the work.

New in Manual Mode
- A rebuilt budget screen: assigned, spent and available for every category at a glance
- Category types and targets: bills with due dates, savings goals by a date, debt payoff, and weekly or monthly refills
- A faster review screen for new bank transactions
- Budget goals alongside your savings goals on the Goals tab
- Reorder your categories however you like

Why Spense Is Different
- Zero-based budgeting: every dollar gets a job
- No spreadsheets, no math: a proven envelope method, made effortless
- Manual or automatic: budget by hand, or let your bank sync do the work
- Credit card tracking: see what you've spent on each card and what you need to pay
- Savings goals: set a target and a date, set money aside, and see whether you're on pace
- Your pond: earn drops for staying on track, grow your fish and unlock badges
- YNAB import: bring your categories and history with you

Switching from YNAB?
Import your existing budget. Same zero-based method, a simpler app, a lower price.

Key Features
- Real-time envelope balances
- Transaction review and categorization
- Reassign money between envelopes any time
- Spending trends, monthly reports and your year to date
- App Lock with your fingerprint, face or device PIN
- Works with any pay schedule

Perfect For
- Anyone who wants to plan spending before it happens instead of tracking it after
- YNAB users looking for a simpler, more affordable alternative
- People who want automatic categorization without the high price
- Budgeters who prefer to keep their bank disconnected

Your Data, Protected
Bank connections run through Plaid with read-only access. Spense can see your transactions; it can never move your money.

Stop reacting to your spending. Start planning it.
Download Spense and give every dollar a purpose.