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SpendCents

SpendCents

Your debt-free date, mapped

6 ratings
6 reviews
💰 Finance
Free
In-App Purchases

Details

Released
August 17, 2026
Updated
August 17, 2026

Features

Developer

Joshua Weber
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About

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.

✓Debt payoff plan creation
✓Debt-free date projection
✓Budget tracking
✓Payment logging
✓Interest avoidance calculation
✓Financial term explanations
Show original description

What's New in SpendCents

1.0

August 17, 2026

2

Subscriptions & In-App Purchases

SpendCents Pro Monthly

Compare routes, place windfalls, track interest.

$6.991 Month
7 Days trial
How to cancel SpendCents subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

SpendCents

It’s a good app to keep track of loans and allocate funds accordingly.
11952AK

Looked easy to use.. but I’m annoyed

Easy to use app. You can log your debt in quick . But every single time you log your debt, it freezes. You have to close the app, open it, and log. Then repeat the process. Not worth it.
MMaddog0055

Spend cents? More like save hundreds!

10/10 wayyyy better than other apps like rocket money or other money apps. So much easier and I really like the definition easy to see and how to best save money. Found out my wife was wayy over spending and I have too many subscriptions and made a great plan for previous loans. A MUST HAVE!
JJJJHH2020

Great tracing app

SpendCents is a great way to keep track of money and spending! It is user friendly and helps keep expenses organized so you know what you have left. Super helpful!
SSunshine7679

Debt free

I love this app because of how many features and options I can add to track all my spending and use to know how to get out of debt fastest
Bbigfoot44983

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FAQ

How does SpendCents help me pay off debt?

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.

Can SpendCents connect to my bank accounts?

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.

What are the costs associated with SpendCents?

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.

Does SpendCents offer a free trial for its Pro version?

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.

How does SpendCents handle budget tracking?

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.

What kind of financial terms does SpendCents explain?

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.

How often is SpendCents updated?

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.

What devices does SpendCents support?

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.