# SpendZen: Bills & Budget — Subscription & expense tracker > Intuitive finance tracker for budgeting, expense logging, and saving money. (iPhone/iPad app by Michele Nocchi.) - Source: https://appshunter.io/ios/app/spendzen-bills-and-budget/id6741732915 (this page in markdown: same URL + `.md`) - Developer: [Michele Nocchi](https://appshunter.io/developer/1795307487) - Category: Finance, Business - Price: Free with in-app purchases - Rating: 5.00/5 from 6 App Store ratings · 15 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 45 MB - Languages: American English, Italian - Released: 2025-05-02 - Data updated: 2026-10-24 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/spendzen-bills-and-budget/id6741732915/reviews.md ## What is SpendZen? SpendZen shows you at a glance how much you spend each month on subscriptions, bills, loans and fixed costs. And how much is really left. No account, no bank to connect: your data stays on your iPhone, with optional iCloud backup. NEW IN SPENDZEN 4.0 • Financial Forecast (Pro): your margin for each of the coming months, with a chart of income, expenses and net, plus a timeline of upcoming changes. • Free trials: a reminder the day before a trial ends and the first charge marked in your calendar. When it ends, turn it into an expense or delete it. • Bills & usage (Pro): log kWh and m³ with each payment and compare average, minimum, maximum and peak month. • Redesigned Home: upcoming payments up front, with overdue ones highlighted. • Savings achieved: how much you save per year from closed or paused expenses. ALL YOUR FIXED COSTS IN ONE PLACE • Subscriptions (Netflix, Spotify, Disney+…), rent, utilities, insurance, gym • Monthly, yearly, weekly or one-off expenses • Categories, icons for popular services, filters and sorting NEVER MISS A DUE DATE • Payment calendar showing what's paid and what's left • Customizable reminders before every charge BUDGET AND INCOME • Budgets per category with alerts as you approach the limit • Income and salary: monthly balance, fixed-cost share and history LOANS, INSTALLMENTS AND PRICE HIKES • Loans with installments paid, remaining and end date • Price history: see which subscription went up and by how much STATS AND TIPS • Charts by category and by month • Suggestions to cut unnecessary spending • Badges and milestones to stay on track PRIVACY FIRST • No sign-up, encrypted database on your device • Data hidden in the app switcher preview • Optional, anonymous analytics: no amounts, names or notes are collected SPENDZEN PRO Unlock Financial Forecast, Bills & usage, iCloud backup, Home customization and every advanced feature with a one-time purchase. ## Key features - Effortless expense tracking - Manage variable bills and subscriptions - Smart budgeting with category limits - Visual financial calendar - Insightful charts and analytics - Clean, intuitive interface ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | SpendZen Lifetime | $8.99 | one-time | ## Is SpendZen safe? Not enough ratings yet to assess SpendZen. ## Is SpendZen legit? SpendZen: Bills & Budget appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for SpendZen is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/spendzen-bills-and-budget/id6741732915/reviews.md ### 5/5 — It’s great. *2026-08-05* One of the best subscription management apps I’ve ever used. Beautiful animations, thoughtful design, and a complete set of features. A true hidden gem. 👍 ### 5/5 — Ottima APP *2025-12-26, version 3.1.6* Durante il passaggio da versione free a quella PRO c’è stato un problema tecnico per cui, nonostante il pagamento l’APP restava in modalità free. Segnalato il problema e in tempo zero lo sviluppatore si è proposto di trovare una soluzione. Ora tutto funziona alla perfezione. La migliore APP per tracciare le spese tra tutte quelle provate. Consigliata per la ricchezza di funzioni e per la semplicità d’uso ad un prezzo vantaggioso. ### 1/5 — Not very useful *2025-12-12, version 3.1.2* All I wanted to do is to keep track of the items that I've bought so I can keep track of my items that I'm selling so I know what I've spent on that item. That way I can adjust my prices when I'm listing stuff for sale and I can amend my prices but know what my spend was so I don't list stuff too cheaply. All this app does is list your expenses every month. I can write that out on a piece of paper and stick it to my fridge.😂 ### 5/5 — App utile *2025-10-16, version 3.0.0* App davvero utile , chi l’ha inventata mi ha aiutato davvero tanto nella mia vita . Consiglio assolutamente ### 5/5 — App fantastica *2025-10-16, version 3.0.0* L’app di consente il monitoraggio delle spese fisse rispetto alle entrate, in modo tale da poter pianificare le altre spese straordinarie. Consiglio di poter inserire sia la parte delle entrate che un’eventuale quota di spese che uno prevede di spendere nel mese e che son sempre presenti (esempio mangiare per casa, ristoranti e bar, acquisti vari per la casa) ### 5/5 — Fantastica *2025-10-16, version 3.0.0* App creata nei minimi dettagli per chi ha bisogno di organizzare e tenere sotto traccia le proprie spese. ### 5/5 — Literally my first review! *2025-07-09* I’ve been using the App Store since 2012 and have never rated or reviewed an app. I saw the app on Reddit and the creator appeared so genuine and hardworking that I downloaded the app and gave it a try (despite there being like 50000 financial trackers out there already). The purpose of this app is clear and it fulfills that purpose. It’s as simple as that! I love it and it’s exactly what I’ve been looking for. - If you want a subscription/bill/fee tracker in one location, this app will deliver. - Does not force a subscription or have any premium locked features. - Does not force you to register an account. - Allows for app/data backup and exporting data. Some feedback for improvement (and perhaps a wishlist): - Allow users to edit (rename), delete, or at least hide the default categories. - Allows for ability to enter when subscription or service was first ever paid for, most recent payment, and upcoming payment. - Allow for either more than one note field or preferably the ability to format/add bullets to the notes when adding a subscription. I just want to be able to press return to insert a line so I can make lists/bullet points. Thank you! **Developer response:** Thanks so much for this review! As for feedback, the first and third points I will definitely work on in future versions! the second point we say is already partially implemented, when you enter an expense you can enter a payment date even in the past and this will contribute to the statistics. obviously entering it in the past will be marked as "paid" ### 5/5 — Ben fatta *2025-07-07, version 1.2.4* 🔝 ### 5/5 — App Ottima *2025-06-19, version 1.2.4* Complimenti! L’app é davvero ottima. Un consiglio: inserire la possibilità di gestire anche le entrate ### 5/5 — Best app ever *2025-06-13* This app is so good, it has good ui/ux give it a try!!! ## Frequently asked questions about SpendZen ### What is SpendZen used for? SpendZen is a finance tracker designed to help users master their budget, track daily expenses, and save money. It offers features like effortless expense logging, variable bill management, and smart budgeting with visual analytics. ### Is SpendZen free to use? Yes, SpendZen is available for free. The app also offers in-app purchases for additional features or content, as indicated by its monetization model. ### What devices does SpendZen support? SpendZen is currently supported on iPhone and iPod devices. It is designed for iOS users looking to manage their finances on the go. ### How often is SpendZen updated? The latest version of SpendZen is 3.4.0, and it was last updated on March 20, 2026. This indicates a recent update, suggesting ongoing development and support. ### What is the age rating for SpendZen? SpendZen has an age rating of 4+, making it suitable for a wide range of users. This rating suggests that the content within the app is appropriate for young children and adults. ### Does SpendZen require an account to use? No, SpendZen does not require mandatory sign-ups. Users can start tracking their finances immediately without creating an account, ensuring privacy and ease of access. ### How does SpendZen help with managing bills? SpendZen allows users to manage variable bills and subscriptions in one place. You can track due dates, handle trial periods, and ensure you never miss a payment, helping to keep monthly fixed costs under control. ### What makes SpendZen's budgeting smart? SpendZen's smart budgeting feature allows you to set monthly budgets for specific categories like groceries or transport. Insightful charts and analytics provide instant feedback on overspending, enabling timely adjustments. ## Version history (last 5 releases) ### 4.0.1 — 2026-10-21 Early installment payoff • Paid off a loan ahead of schedule? Mark it as settled right from the expense details. • Tap "Mark as fully paid off" and enter the date and amount paid: a single payment replaces the remaining installments and the expense is closed. • Changed your mind? Reactivate the expense and the original installment plan is restored. More accurate statistics • Paused expenses are no longer counted in totals and charts. • The monthly average now matches the category chart: installments count at their actual amount. • Month-by-month charts use your real payments and estimate the rest of the year based on start dates, free trials, custom frequencies, and price changes. • Expenses that ended during the year stay in the history up to their closing date. • Category groups now also show those with a single expense. • Tap "Equivalent monthly average" to see how it's calculated. Refreshed Home • Colors more consistent with your chosen theme, in both light and dark mode. • More readable and accessible secondary text. • Dark mode with backgrounds and cards tinted by your theme color. Fixes • Completed expenses no longer create new due dates in the calendar. • The Home summary no longer includes paused expenses. • The anonymous analytics text in your profile is now fully readable. ### 4.0.0 — 2026-10-11 SpendZen 4.0 is our biggest update yet. • Financial Forecast (Pro): see how much margin you'll have each month in the months ahead, with a chart and a timeline of upcoming changes. • Free trials: new "Trial" expense type, a reminder the day before it ends and the first charge in your calendar. • Bills & usage (Pro): log kWh and m³ with each payment, with average, minimum, maximum and peak month. • Redesigned Home: Upcoming payments section, choice of recap style and a new floating navigation bar. • Pauses, closures & savings: Savings achieved card, closing dates for expenses and a budget that accounts for pauses. • Income, backup & privacy: yearly income overview, pick another backup if an iCloud restore fails, data hidden in the app switcher. Enjoying SpendZen? A review helps us a lot. ### 3.6.1 — 2026-08-29 Fixed an issue that prevented budgets from being created in some cases. Faster calendar and payments. ### 3.6.0 — 2026-05-21 New Month Card: A refreshed homepage layout for an instant snapshot of your current month. Drag & Drop Tools: Customize your dashboard by easily reordering your SpendZen Tools cards. Income Redesign: A sleeker, more intuitive look for both the "Management" and "History" tabs. ### 3.5.1 — 2026-05-03 Bug fix and improvements ## Apps similar to SpendZen | App | Rating | Price | Category | | --- | --- | --- | --- | | [SmartWallet: Budget Planner](https://appshunter.io/ios/app/smartwallet-budget-planner/id6743027963) | — | Free | Finance | | [Fen: Finance Tracker](https://appshunter.io/ios/app/fen-finance-tracker/id6590603976) | 4.8 (5) | Free | Finance | | [eXpend: Make Budgeting a Habit](https://appshunter.io/ios/app/expend-make-budgeting-a-habit/id6747117634) | 4.7 (13) | Free | Finance | | [CoupleCents: Money Manager](https://appshunter.io/ios/app/couplecents-money-manager/id6744974888) | — | Free | Finance | | [Optivault - AI Finance Advisor](https://appshunter.io/ios/app/optivault-ai-finance-advisor/id6740290247) | 3.9 (15) | Free | Finance | | [Roomie - Shared Expenses](https://appshunter.io/ios/app/roomie-shared-expenses/id6477746186) | 4.0 (1) | Free | Finance | ## Related topics [schmizza](https://appshunter.io/ios/topics/schmizza) · [capaccio paestum](https://appshunter.io/ios/topics/capaccio-paestum) · [giacomo donelli](https://appshunter.io/ios/topics/giacomo-donelli) · [segreteria di stato finanze e bilancio](https://appshunter.io/ios/topics/segreteria-di-stato-finanze-e-bilancio) · [calcolo stipendio netto](https://appshunter.io/ios/topics/calcolo-stipendio-netto) · [stipendio netto da lordo](https://appshunter.io/ios/topics/stipendio-netto-da-lordo) · [andrea marucci](https://appshunter.io/ios/topics/andrea-marucci) --- *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 2026-10-24.*