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Spendify: Budget & Debt Payoff

Spendify: Budget & Debt Payoff

Budget, Track & Pay Off Debt

15 ratings
11 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
March 9, 2026
Updated
November 4, 2026

Features

Developer

Spendify Money LLC
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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, debt payoff strategies, and an AI advisor to answer your financial questions. Track all your accounts and see your progress towards financial goals.

✓Debt-free date calculation
✓Multiple debt payoff strategies
✓AI-powered financial advisor
✓Automatic transaction syncing
✓Budget creation and tracking
✓Net worth and financial reports
✓Bank-level security
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+2

What's New in Spendify

1.0.9657

November 4, 2026

- A completely new Budget, with every category, credit card and loan in one plan. - Split a transaction into parts, each with its own category, amount and note. - Added People: mark who each account and transaction is for, and filter by person. - Added light mode: choose System, Light or Dark under Appearance in your profile. - Added Activity: see every change in a workspace, who made it and when. - Added Statements in the menu: your net worth and income and expense statements for each month, ready to download. - Receipts now open from the Transactions screen, grouped by day. - Recurring now lets you add a bill or subscription yourself, even before its first charge. - 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
1 Year trial
How to cancel Spendify subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Wowza

This app really put into perspective my spending and made me realize I need to get serious about my budgeting. This app made it simple and effective to create a guideline for myself. This the real deal fr
CCuti3pat0oti3

Easy and Simple

Super simple to use, very helpful in my day to day spending habits and managing my funds. 10/10
Nnbandisswaggaman

The best app!

I love this app.
MMarzRover

Budgeting made easy!

I was nervous about using a budgeting app but so glad I did. Spendify is easy to use and has been really helpful with getting my finances and budget in check
IVInes VGo

Saving me so much money

Spendify found so many subscriptions I was paying for that other apps didn’t show. It’s helping me create a plan to be better with my money!
GGav.ac
See 6 more reviews

FAQ

How does Spendify help me pay off debt?

Spendify calculates your debt-free date and allows you to compare payoff strategies like Debt Snowball and Debt Avalanche. You can also adjust extra payments to see how it impacts your debt-free timeline in real-time.

What kind of financial insights does Spendify offer?

Spendify provides financial reports showing your income, spending, and cash flow. It also prepares monthly statements of net worth and income/expense statements, which can be downloaded as PDF or CSV.

Is Spendify secure to use with my bank accounts?

Yes, Spendify uses bank-level AES-256 encryption and has read-only access, meaning it cannot move your money. It also supports Face ID and Touch ID, and does not store bank credentials.

How much does Spendify cost?

Spendify offers a 7-day free trial. After the trial, it costs $4.99 per month or $49.99 per year. You can cancel your subscription at any time.

Can I connect my Apple Card and Apple Cash to Spendify?

Yes, Spendify supports connecting Apple Card, Apple Cash, and Apple Savings through FinanceKit, allowing for seamless transaction syncing.

Does Spendify have ads?

No, Spendify is ad-free. The app focuses on providing a clean and uninterrupted user experience for managing your finances.

How often is Spendify updated?

The latest version of Spendify is 1.0.9657, which was last updated on November 4, 2026. Updates typically include new features and improvements.

What devices can I use Spendify on?

Spendify is available on iPhone and iPad, making it accessible for users within the Apple ecosystem.