# Spendly – Cashflow Tracker

> Spendly – Cashflow Tracker (iPhone/iPad app by Arkar Min Thant.)

- Source: https://appshunter.io/ios/app/spendly-cashflow-tracker/id6813416863 (this page in markdown: same URL + `.md`)
- Developer: [Arkar Min Thant](https://appshunter.io/developer/1762607630)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 22 MB
- Languages: American English
- Released: 2026-10-02
- Data updated: 2026-10-10

## What is Spendly?

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?

## Is Spendly safe?

Not enough ratings yet to assess Spendly.

## Is Spendly legit?

Spendly – Cashflow Tracker has limited verification signals. The AppsHunter Legitimacy Score for Spendly is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.1.0 — 2026-10-04

Spendly 1.1.0 is a rebuild around one question: how much of this pay cycle is still mine to spend?

• Set a spend budget each pay cycle and see what's left on Home
• Whatever you don't spend is split into an invest budget and a save budget by a percentage you choose, so pay minus bills minus spending always adds up
• No more projected surplus. Every figure is now something you entered or logged, and days you haven't logged are flagged as a reminder rather than estimated
• Built for how you are actually paid: weekly, fortnightly, twice a month or monthly, with monthly bills spread correctly across your pay cycles
• One tap to record a day you spent nothing, and a wrap-up at the end of each cycle to record what you actually moved
• Record your account balance to re-anchor the current cycle
• Clearer layouts on phones and tablets, and better support for large text sizes

Your data still never leaves your phone. No account, no ads, no trackers.

### 1.0 — 2026-10-02

No release notes.

## More apps by Arkar Min Thant

- [20-20-20 Eye Rest: Break Timer](https://appshunter.io/ios/app/20-20-20-eye-rest-break-timer/id6793152934)

All apps by Arkar Min Thant: https://appshunter.io/developer/1762607630

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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 2026-10-10.*