Spendly is a spending tracker built around your pay cycle. Set a spend budget when you are paid, log what you spend each evening, and always know exactly what is left.
NO FORECASTS, NO GUESSES
Every figure in Spendly is something you entered or something you logged. It does not predict your spending, it does not project a surplus, and it does not fill in the days you missed. A day with nothing logged is listed as a reminder, never given a value. If a number changes, it is because you changed it.
HOW IT WORKS
Enter your pay and your fixed bills once, then set a spend budget for the cycle. Logging takes about ten seconds an evening. Home shows what you have spent against that budget and what remains. Whatever you do not spend is already divided into an invest budget and a save budget by a percentage you choose, so pay minus bills minus spending always adds up.
BUILT FOR HOW YOU ARE ACTUALLY PAID
Weekly, every two weeks, twice a month, or monthly. Your cycle runs from your payday to the day before the next one, not from the 1st of the month. Monthly bills are spread across your pay cycles automatically, so a week's pay is never charged a full month of rent.
COMPLETELY PRIVATE
No account. No sign-up. No cloud. Everything stays in a database on your own phone. Spendly does not even request internet permission, so it cannot send your data anywhere.
No ads. No trackers. No analytics.
ALSO INSIDE
• Any world currency, with correct decimal handling
• A gentle evening reminder to log the day
• One tap to record a day you spent nothing
• History by day and by pay cycle, and spending by category
• Scheduled and one-off investments counted inside your invest budget, not on top of it
• A wrap-up at the end of each cycle to record what you actually moved
• Light and dark themes, designed for phones and tablets and readable at large text sizes
• CSV export of everything you have logged
Spendly does not connect to your bank, does not ask for your card, and does not want your email address. It answers one question, honestly: how much of this pay cycle is still mine to spend?
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