# SpendCents — Your debt-free date, mapped

> Debt payoff planner with budget integration and debt-free date projection. (iPhone/iPad app by Joshua Weber.)

- Source: https://appshunter.io/ios/app/spendcents/id6798426431 (this page in markdown: same URL + `.md`)
- Developer: [Joshua Weber](https://appshunter.io/developer/6791651030)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 37 MB
- Languages: American English
- Released: 2026-08-17
- Data updated: 2026-09-21
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/spendcents/id6798426431/reviews.md

## What is SpendCents?

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends.

THE NEXT DOLLAR
The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided.

YOUR DEBT-FREE DATE
Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears.

BOTH ROUTES, SIDE BY SIDE
Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order.

A BUDGET THAT FEEDS THE PLAN
Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap.

EVERY PAYMENT, SPLIT HONESTLY
Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going.

PLAIN ENGLISH
APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for.

NOTHING IS CONNECTED TO YOUR BANK
You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like.

SPENDCENTS PRO (optional subscription)
The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds:
- What-If Studio: save and compare payoff scenarios side by side
- Windfall Planner: the best home for a bonus, refund or gift
- Interest Ledger: interest paid against interest avoided, over time
- A 12-month forecast table for the whole plan

Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription.

SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice.

Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy
Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms

## Key features

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SpendCents Pro Monthly | $6.99 | per month |
| SpendCents Pro Annual | $49.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/spendcents/id6798426431/reviews.md

### 5/5 — So helpful and easy to use

*2026-08-17*

This app has honestly made keeping track of everything feel a lot less stressful. I like being able to open the app and immediately see where I’m at instead of trying to figure everything out myself. It’s really straightforward and doesn’t feel overwhelming, which I appreciate. Definitely one of those apps that makes you feel a little more organized without making things complicated.

## Frequently asked questions about SpendCents

### 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.

## Version history (last 1 release)

### 1.0 — 2026-08-17

No release notes.

## More apps by Joshua Weber

- [Kynovo](https://appshunter.io/ios/app/kynovo/id6791651028)
- [Sweet Pea: Pregnancy Tracker](https://appshunter.io/ios/app/sweet-pea-pregnancy-tracker/id6795340112)
- [Prepped and Ready](https://appshunter.io/ios/app/prepped-and-ready/id6798425892)

All apps by Joshua Weber: https://appshunter.io/developer/6791651030

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*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 2026-09-21.*