# Spendwise: Smarter Spending — Smarter spending, made simple.

> Smarter spending, made simple. (iPhone/iPad app by Victoria Jull.)

- Source: https://appshunter.io/ios/app/spendwise-smarter-spending/id6791476983 (this page in markdown: same URL + `.md`)
- Developer: [Victoria Jull](https://appshunter.io/developer/6791476985)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 52 MB
- Languages: American English
- Released: 2026-08-01
- Data updated: 2026-08-19
- User reviews in markdown: https://appshunter.io/ios/app/spendwise-smarter-spending/id6791476983/reviews.md

## What is Spendwise?

$12.99 a month sounds small. $156 a year doesn't.

Spendwise is the budgeting app that runs itself. Connect your NZ bank account securely through Akahu, and every transaction is pulled in and categorised automatically – groceries, fuel, subscriptions, takeaways – no spreadsheets, no manual entry, no guilt.

See where your money actually goes: A clear monthly picture shows you income, spending, category breakdowns, trends, and your top merchants.

Catch the money leaks: Spendwise spots recurring payments and subscriptions, flags price rises, doubled-up services, and quiet habits that add up — always showing the yearly reality behind the monthly cost.

One number for your financial health: The Confidence Score blends your savings rate, spending trend, safety buffer, subscription load, and budget progress into a single 0–100 score.

Private by design: Bank connections are read-only via Akahu — we can see transactions, never move money. Your data is never sold, and you can delete everything, any time, from inside the app.

Want a look before connecting anything? Demo mode gives you a full, realistic tour without touching a bank account.

Spendwise is an information tool, not financial advice. Made in New Zealand for New Zealanders.

Terms of Use: https://spendwise.nz/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Spendwise Essential | $5.99 | per month |
| Spenwise Plus | $6.99 | per month |
| Spendwise Essential | $59.99 | per year |
| Spendwise Plus | $69.99 | per year |



## Version history (last 2 releases)

### 1.1 — 2026-08-17

Spendwise now includes smarter transaction categorisation, deeper personalised insights, flexible monthly and annual plans, improved analytics and a more capable AI Coach. This update also improves bank connection reliability, accessibility and overall performance.

### 1.0 — 2026-08-01

No release notes.

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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 2026-08-19.*