This app helps you create a clear plan to pay off your debts by showing you what you owe, what to pay next, and when you'll be debt-free. It analyzes your spending and income to identify extra funds for debt repayment.
1.0
August 17, 2026
Compare routes, place windfalls, track interest.
SpendCents creates a clear debt payoff plan by projecting your remaining payments, identifying the best use for extra funds, and showing your estimated debt-free date. It helps you understand how much interest you're avoiding with each payment.
No, SpendCents does not connect to your bank accounts. You manually enter your financial information, ensuring your data remains private and secure. The app never asks for bank logins or reads your accounts.
SpendCents offers a free version with core features. An optional 'SpendCents Pro' subscription is available for $6.99 per month or $49.99 per year, providing advanced tools like a 'What-If Studio' and a 12-month forecast table.
Yes, both the monthly and annual SpendCents Pro subscriptions include a 7-day free trial. You can manage or cancel your subscription in your Apple ID settings at least 24 hours before the current period ends.
You can log your take-home pay and categorize your spending within SpendCents. The app then subtracts your minimum debt payments and shows you how much is genuinely free for debt repayment each month.
SpendCents provides explanations for 33 common money terms in plain English, without jargon. This includes terms like APR, amortization, minimum payment, and revolving credit, each explained in a single sentence.
SpendCents was last updated on August 17, 2026, with version 1.0. While this is the initial release date, users can expect ongoing updates to improve functionality and add features based on user feedback.
SpendCents is currently supported on iPhone and iPod devices. The app is rated for ages 4 and up, making it accessible for a wide range of users.
