Spency: Budget Planner

Spency: Budget Planner

Bills, Spending & Cash Flow

12 ratings
5 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • January 13, 2026
  • July 23, 2026

Features

Spency: Budget Planner screenshot #1 for iPhone
Spency: Budget Planner screenshot #2 for iPhone
Spency: Budget Planner screenshot #3 for iPhone
Spency: Budget Planner screenshot #4 for iPhone
Spency: Budget Planner screenshot #5 for iPhone
Spency: Budget Planner screenshot #6 for iPhone
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About

This app helps you plan your finances by projecting your balance on a calendar. It allows you to organize bills, set daily spending limits, and track income to see your financial outlook before payday.

Projected balance calendar
Bill and expense organization
Daily spending limit setting
Income tracking
Offline budget tracking
Optional iCloud sync
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+1

What's New in Spency

1.8

July 23, 2026

A faster way to add, and a simpler way to save. • Savings, redesigned: keep any goal on track by tapping Update balance whenever your savings change. Savings now lives outside the calendar, so your projections stay clean. • New add flow: adding income, expenses, and daily allowance is quicker, with a live preview of how each entry moves your balance. • A fresh welcome tour: four short animated slides show how Spency projects your balance forward. • Refreshed account screen and small fixes throughout.

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Subscription plans

Spency Pro Monthly

Unlimited history, insights, and all future features.

$5.991 Month
3 Days trial
How to cancel Spency subscription ⁉️
4

In-App Purchases

$9.99

Spency Pro

Unlock insights and 12+ months of history.

User reviews

Weird

For some reason, you cannot select the date of a transaction unless you do it from the calendar screen, which is incredibly inconvenient. Also, for some reason, I can only add five incomes. I get that you want people to pay for the premium edition, but this is incredibly inconvenient and I’m not even able to test the app to see if I would like it.
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It’s good could be betta

Lotta manual entry which is good in my book. The insights could be have different options, cuz I don’t care to see my cash flow, it always looks the same and I don’t have a fixed paycheck. balance projections is just bad graph to see and use. I like savings budget.

Glitchy :(

This app sounds PERFECT for my needs … but once using it i’ve found it doesn’t really work at all. My inputs don’t populate into the calendar, with the most notable being that despite my many attempts to get the app to catch up, it can’t fathom the idea that i get paid bi-weekly and not monthly. Once this app gets made to be functional, I’ll be using it all the time!
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Response from developer

Thank you for using Spency, cjbar8! Sorry this happened to you. There was a small bug when users added items form the onboarding that has been fixed already. Would love if you could try again and please let me know if there's anything we can do.

Simple

I love that you don’t have to link a bank account and can just manually enter everything. This is basically what I’ve been using a table on my notes app to do but with a much nicer UI and with charts to show how much I actually pay in rent 😩.

Response from developer

Thank you for using it and finding the charts useful! Feel free to suggest features or fixes!

Love the approach

Great app. Easy to use and helps me see my balance forecast. I don’t have to log every single thing I buy!

Developer apps

FAQ

Does Spency have ads?

No, Spency does not contain advertisements. The app is free to use with optional in-app purchases for premium features.

What are the Spency subscription plans?

Spency offers two subscription plans: Spency Pro Monthly at $5.99/month with a 3-day free trial, and Spency Pro Yearly at $29.99/year with a 3-day free trial.

How does Spency help with budgeting?

Spency helps by allowing you to input income, bills, and recurring expenses to project your balance on a calendar. It also provides a daily spending limit to help you manage your money effectively.

Is Spency safe to use without connecting a bank account?

Yes, Spency is designed with privacy first. It does not require a bank connection or an account, and your data stays on your device with optional iCloud sync.

What are the benefits of Spency Pro?

Spency Pro offers extended budget projection and cash flow forecasts for 1, 3, and 6 months, insight charts for expense breakdowns, and access to over 12 months of budget history.

What devices does Spency support?

Spency is available for iPhone and iPad devices.

How often is Spency updated?

The latest version of Spency is 1.7, and it was last updated on June 23, 2026. This indicates regular updates to improve the application.

What is the age rating for Spency?

Spency has an age rating of 4+, making it suitable for a wide range of users.