# Spency: Budget Planner — Bills, Spending & Cash Flow > Simple budget planner and expense tracker projecting future finances. (iPhone/iPad app by Callebe Sousa e Silva.) - Source: https://appshunter.io/ios/app/spency-budget-planner/id6756977406 (this page in markdown: same URL + `.md`) - Developer: [Callebe Sousa e Silva](https://appshunter.io/developer/1863997472) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 3.90/5 from 14 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 26.0 · 4 MB - Languages: American English, Danish, Dutch, French (France), German (Germany), Italian, Norwegian Bokmål, Polish, Brazilian Portuguese, Russian and 3 more - Released: 2026-01-13 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/spency-budget-planner/id6756977406/reviews.md ## What is Spency? Spency is a simple budget planner, expense tracker, and money manager that helps you organize bills, set a daily spending limit, and see your money ahead of time. Instead of only tracking purchases after they happen, Spency helps you plan forward. Add your income, bills, recurring expenses, and daily spending limit. Spency then projects your balance across a calendar so you can see where your budget is healthy and where it gets tight before payday. Use Spency as a weekly budget planner, monthly budget tracker, bill tracker, or personal money planner. It replaces messy spreadsheets and budget sheets with a clear schedule you can check in seconds. HOW IT WORKS Add your income Track salary, freelance payments, deposits, and recurring income. Organize bills and expenses Plan rent, subscriptions, utilities, groceries, one time costs, and recurring payments. Set a daily spending limit Spency uses your daily allowance to forecast your balance automatically. SEE YOUR MONEY AHEAD Projected balance for every day on the calendar Upcoming bills and how they affect your budget Monthly totals for income, expenses, and net balance Tight days flagged early Daily spending allowance always visible Simple charts for cash flow, savings, and spending insights WHO IT IS FOR Spency is built for people who want a simple way to plan money without connecting a bank account. It works well for personal budgets, household budgets, bills, income planning, daily spending, and people who want to know whether their money will last until the next payday. WHY SPENCY Many budget apps focus on categorizing past transactions. Spency focuses on helping you understand what is coming next. Your projected balance shows whether your plan works, and your daily spending limit gives you one simple number to adjust. SPENCY PLUS Budget projection and cash flow forecasts for 1, 3, and 6 months Insight charts with recurring and one time expense breakdowns Access to over 12 months of budget history The free version includes your most recent 3 months of data. PRIVACY FIRST No bank connection No account required Offline budget tracking Your data stays on your device, with optional iCloud sync Delete everything anytime Set it up once. Check it in seconds. Stay in control of your budget with confidence. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Projected balance calendar - Bill and expense organization - Daily spending limit setting - Income tracking - Offline budget tracking - Optional iCloud sync ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Spency Pro Monthly | $5.99 | per month | | Spency Pro Yearly | $29.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Spency Pro | $9.99 | one-time | | Spency Pro Trial | Free | one-time | ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/spency-budget-planner/id6756977406/reviews.md ### 1/5 — Wasted my funds. *2026-08-24* I am so sick of using or even purchasing what first seem to be solid apps to only find out it’s junk! The reference button is junk, 90% of the time the option doesn’t even show and it’s in such bright highlighter color you have to change your setting to just see it. And once the ref options do show they don’t do ask you request. “Ref the one and not for the following”, it’s refs them all and I have to undo and do and undo and do just to make it work! There are ZERO budgeting apps that work right, including this one. Enjoy my money. ### 1/5 — Weird *2026-06-28* 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. **Developer response:** Thank you for using Spency and for the feedback! Adding income and expenses is now unlimited even for free users. Hope you can test again. ### 3/5 — It’s good could be betta *2026-05-23* 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. **Developer response:** Thank you for using and supporting Spency! I appreciate the feedback on the insights! ### 2/5 — Glitchy :( *2026-05-03* 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! **Developer response:** 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. ### 5/5 — Simple *2026-03-28* 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 😩. **Developer response:** Thank you for using it and finding the charts useful! Feel free to suggest features or fixes! ### 5/5 — Love the approach *2026-01-23* Great app. Easy to use and helps me see my balance forecast. I don’t have to log every single thing I buy! ## Frequently asked questions about Spency ### 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. ## Version history (last 5 releases) ### 2.0 — 2026-08-11 The free plan just got a lot bigger. • Unlimited income and expenses. The limit of five of each is gone. • Insights is now free: your expense breakdown, cash flow, savings, and a one month balance projection. • Pro is now one simple thing: how far ahead you can see. Twelve months on the calendar and six months of projection. • Pro also costs less than it did. Thank you for the reviews that pushed this. Keep them coming. ### 1.8 — 2026-07-23 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. ### 1.7 — 2026-06-23 We refreshed the Account screen with a cleaner layout, clearer hierarchy, and a new account icon. The top bar now stays consistent across Calendar, Insights, and Manage, so switching tabs feels smoother. Thanks for using Spency! ### 1.6 — 2026-05-26 - Reference only entries are here. You can now add income or expenses as helpful day notes while keeping your spendable balance unchanged. - Savings also supports reference adjustments, so you can track money added to or withdrawn from a savings goal while keeping your current balance steady. - This update also brings cleaner entry editing, better balance previews, widget alignment, notification polish, and release cleanup. ### 1.5.1 — 2026-05-21 This version includes small refinements and general improvements. ## More apps by Callebe Sousa e Silva - [BC Practice Driving Test](https://appshunter.io/ios/app/bc-practice-driving-test/id6771965286) - [Rito: Wedding Day Timeline](https://appshunter.io/ios/app/rito-wedding-day-timeline/id6778495623) All apps by Callebe Sousa e Silva: https://appshunter.io/developer/1863997472 ## Related topics [ahorro budget](https://appshunter.io/ios/topics/ahorro-budget) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*