# Spendify: Budget & Debt Payoff — Budget, Track & Pay Off Debt > Personal finance planner for debt payoff, savings, and wealth growth with AI insights. (iPhone/iPad app by Spendify Money LLC.) - Source: https://appshunter.io/ios/app/spendify-budget-and-debt-payoff/id6754665527 (this page in markdown: same URL + `.md`) - Developer: [Spendify Money LLC](https://appshunter.io/developer/1849532753) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 7 App Store ratings · 3 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 84 MB - Languages: American English, French (France), European Spanish - Released: 2026-03-09 - Data updated: 2026-10-14 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/spendify-budget-and-debt-payoff/id6754665527/reviews.md ## What is Spendify? You have all your financial data. But do you have a plan? Most finance apps show you where your money went. Spendify shows you where it should go. Connect your accounts once and get a real plan to pay off debt, build savings, and grow your wealth. Spendify is a downloadable mobile app for personal financial management, budgeting, expense tracking, debt management and debt optimization, bill tracking, financial planning, and financial reports and insights. SEE YOUR DEBT-FREE DATE Not "someday." The actual month. Spendify calculates exactly when you'll be debt-free and how much interest you'll save along the way. COMPARE PAYOFF STRATEGIES • Debt Snowball: Pay off smallest balances first to build momentum • Debt Avalanche: Target high-interest debt to save the most money • Custom Order: Set your own payoff sequence based on what matters to you • Adjust your extra payment and watch your debt-free date move in real time ASK YOUR AI ADVISOR "What did I spend on dining this month?" "How can I pay off my credit cards faster?" Ask anything about your money in plain English. Your AI advisor has real-time access to your accounts and transactions — personalized answers, not generic tips. TRACK EVERYTHING IN ONE PLACE • Transactions sync automatically via Plaid • Connect Apple Card, Apple Cash, and Apple Savings with FinanceKit • Budgets that actually fit your life • Recurring charges detected automatically — no more surprise subscriptions • Net worth so you can see the full picture • Financial reports that show your income, spending, and cash flow at a glance • Monthly financial statements: Spendify prepares your statement of net worth and your income and expense statement every month, ready to download as a PDF or CSV SECURITY FIRST Bank-level AES-256 encryption. Read-only access — we can never move your money. Face ID and Touch ID support. No bank credentials stored. FEEL THE PROGRESS Every time you open the app, you see how far you've come. Interest saved. Time saved. Debts crossed off. Celebrate the wins. Start with a 7-day free trial. Then $49.99/year or $4.99/month. Cancel anytime. Terms of Service: https://spendify.money/terms-of-service Privacy Policy: https://spendify.money/privacy-policy Questions? Reach out at support@spendify.money ## Key features - Projected debt-free date calculation - Multiple debt payoff strategies - AI-powered financial advisor - Automatic transaction syncing - Recurring charge detection - Net worth tracking ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Spendify Pro - Annual | $49.99 | per year | | Spendify Pro - Monthly | $4.99 | per month | ## Is Spendify safe? Not enough ratings yet to assess Spendify. ## Is Spendify legit? Spendify: Budget & Debt Payoff has limited verification signals. The AppsHunter Legitimacy Score for Spendify is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/spendify-budget-and-debt-payoff/id6754665527/reviews.md ### 5/5 — Best budgeting app on the Market *2026-05-01* 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. ### 5/5 — Simple and easy to use *2026-03-26* 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. **Developer response:** 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! ### 5/5 — Best Budget App *2026-03-12* 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 **Developer response:** 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! ## Frequently asked questions about Spendify ### 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. ## Version history (last 5 releases) ### 1.0.7191 — 2026-10-06 - 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. ### 1.0.6346 — 2026-09-25 - Added exporting everything in Spendify as one file: open My Profile and choose Export your data. - Export works whether or not you have an active subscription, and the file stays ready to download for seven days. - Any account can now download its transactions or its balance history from its menu. - Added importing your history from another budgeting app or a CSV: Accounts, then Add Account, then Import from another app. - An import shows where every account and category will land before anything is added, and can be undone afterwards. - Vote on the Roadmap with one tap, right from the list. - Ideas on the Roadmap now show their comment count. - Follow an idea on the Roadmap with Notify me to hear the team's updates while it's being built. - The AI advisor's Not now and Agree & continue buttons now sit side by side. - Fixed an amount like 1.005 in an imported bank statement being read as 1,005. - Fixed statement import errors naming the wrong row of the file. We're always improving Spendify. Keep an eye out for more updates and fixes along the way. ### 1.0.4250 — 2026-08-03 Bug fixes and performance improvements. ### 1.0.4060 — 2026-08-02 Bug fixes and performance improvements. ### 1.0.3878 — 2026-07-31 Bug fixes and performance improvements. ## Apps similar to Spendify | App | Rating | Price | Category | | --- | --- | --- | --- | | [Spendify](https://appshunter.io/ios/app/spendify/id1629340357) | 3.4 (8) | Free | Finance | | [Changed: Automate Debt Payoff](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383) | 4.6 (5,623) | Free | Finance | | [Ditch: Pay Off Debt Faster](https://appshunter.io/ios/app/ditch-pay-off-debt-faster/id6466198208) | 4.8 (3,573) | Free | Finance | | [Origin: AI Budget and Track](https://appshunter.io/ios/app/origin-ai-budget-and-track/id1637693312) | 4.6 (3,943) | Free | Finance | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,338) | Free | Finance | | [Copilot: Track & Budget Money](https://appshunter.io/ios/app/copilot-track-and-budget-money/id1447330651) | 4.8 (30,539) | Free | Finance | --- *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 2026-10-14.*