Spendify: Budget & Debt Payoff

Spendify: Budget & Debt Payoff

Budget, Track & Pay Off Debt

7 ratings
3 reviews
Free
In-App Purchases

Details

Released
March 9, 2026
Updated
October 6, 2026

Features

Spendify: Budget & Debt Payoff screenshot #1 for iPhone
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Spendify: Budget & Debt Payoff screenshot #7 for iPhone
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About

This app helps you create a financial plan to pay off debt, build savings, and grow wealth. It offers personalized insights, tracks all your accounts, and provides an AI advisor for financial questions. See your projected debt-free date and compare different payoff strategies.

✓Projected debt-free date calculation
✓Multiple debt payoff strategies
✓AI-powered financial advisor
✓Automatic transaction syncing
✓Recurring charge detection
✓Net worth tracking
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What's New in Spendify

1.0.7191

October 6, 2026

- Added Statements: a statement of net worth and an income and expense statement for every month, to read in the app or download as a PDF or CSV. - Accounts now shows Not reported by bank when your bank stops sending an account. - An account your bank stopped reporting can now have its balance updated, be excluded from net worth, or be converted to a manual account that keeps its history. - Accounts now asks before counting the same card twice across two bank logins: hide one copy, or keep both. - Accounts now offers to hide an old bank connection's copies when a newer connection to the same bank replaces it, keeping their history. - When your Spendify Pro access ends, bank syncing now pauses; your accounts and history are kept, and an email tells you the date your banks will be disconnected, at least 30 days later. - Bank connections now shows a disconnected bank as Disconnected with its history kept, and Connect again adds it back after you subscribe. - Debts now asks you to add a missing APR, and marks the debt-free date as an estimate until you do. - Open your full payoff plan from Debts with See payoff plan. - Large-purchase notifications now stop at three a day; any more go to your notification inbox without buzzing your phone. - Budget alerts now come only for budgets you set yourself, and count what you rolled over. - Fixed credit card payments and transfers between your own accounts counting as spending. - Fixed transfers, card credits and bank interest counting as income or as refunds. - Fixed a recurring bill showing twice, or as Every 4 weeks when its date drifts. - Fixed everyday purchases showing up as subscriptions. - Fixed card and account numbers appearing in notifications on the lock screen. - Fixed a transfer between your own accounts alerting as a large purchase. - Fixed purchases in another currency being counted as dollars. - Fixed investment balances not updating when holdings did. - Fixed linking a Google or Apple sign-in switching you to another account. - Fixed a mortgage or student loan missing its due date and payments when the bank left out its rate. - Fixed a bond showing a large loss that wasn't there. - Fixed some Fidelity accounts appearing under a placeholder name. - Fixed a recurring card or loan bill showing a different due date than its account. - Fixed the keyboard covering the support conversation while you type. - Fixed an overpaid card counting as negative debt instead of a credit. - Fixed balance history dipping where a bank skipped transactions. - Other bug fixes and improvements. We're always improving Spendify. Keep an eye out for more updates and fixes along the way.

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Subscriptions & In-App Purchases

Spendify Pro - Annual

All Spendify Pro features included

$49.991 Year
7 Days trial
How to cancel Spendify subscription ⁉️

User reviews

Best budgeting app on the Market

Definitely the best app on the market today. It’s helped me a lot. My favorite tool is it directs you to which debt to pay off first that’ll best help you. That was a game changer.

Simple and easy to use

I’ve tried a few different budgeting apps and usually fall off after a couple months but this one is simple enough to use and I’m actually sticking with it. It makes tracking expenses and paying down debt a lot more manageable.

Response from developer

Thank you so much for the kind words! We are thrilled to hear that Spendify is helping you stay on track with your budget and debt payoff. Simplicity is something we work really hard on, so it means a lot that it is making a difference for you. Keep up the great work!

Best Budget App

This is by far the most organized app. It makes it very easy to use and easy to track where money is being spent. Definitely recommend

Response from developer

We really appreciate you taking the time to leave this review! It is great to hear that the organization and tracking features are working well for you. Recommendations like yours help others discover Spendify, and we are grateful for the support. Happy budgeting!

FAQ

What is Spendify's debt-free date feature?

Spendify calculates your projected debt-free date, showing you the exact month you'll be free of debt and the total interest you'll save. This feature helps visualize your progress and stay motivated.

What debt payoff strategies does Spendify offer?

Spendify supports Debt Snowball (paying smallest balances first), Debt Avalanche (targeting high-interest debt), and Custom Order (user-defined sequence). You can adjust extra payments to see how your debt-free date changes in real-time.

How does Spendify's AI advisor work?

Your AI advisor has real-time access to your connected accounts and transactions. You can ask it questions in plain English about your spending, debt payoff options, and other financial matters for personalized answers.

What security measures does Spendify use?

Spendify employs bank-level AES-256 encryption and supports Face ID and Touch ID for secure access. It uses read-only access, meaning it can never move your money, and does not store bank credentials.

Does Spendify have ads?

Yes, Spendify contains advertisements. As a free app with in-app purchases, it utilizes ads to support its services.

What is the free trial period for Spendify?

Spendify offers a 1-month free trial period. You can cancel your subscription at any time during or after the trial.

How often is Spendify updated?

Spendify was last updated on March 9, 2026, with version 1.0. This indicates a recent release, and users can expect ongoing updates for new features and improvements.

What devices is Spendify available on?

Spendify is available on iPhone and iPad devices. It is designed for users within the Apple ecosystem.