Spense: Budget App & Planner

Spense: Budget App & Planner

Envelope Budget & Bill Tracker

12 ratings
11 reviews
Free
In-App Purchases

Details

Released
December 23, 2025
Updated
October 13, 2026

Features

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About

This app helps you manage your money by assigning every dollar a purpose through zero-sum budgeting. It offers manual budgeting for free and optional automatic bank syncing for a fee. Track spending, categorize transactions, and gain control over your finances.

✓Zero-sum budgeting
✓Envelope categorization
✓Manual transaction entry
✓Automatic bank sync (paid)
✓Real-time envelope balances
✓Transaction review and categorization
✓YNAB import
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What's New in Spense

v2.6.0

October 13, 2026

New: • A new welcome screen. Sign up with Apple, Google or email so your budget is backed up, or start without an account like before. • Setup now ends in a real budget. Pick Auto or Classic, add your first account and starter categories, and land on a budget that's ready to use. • Monthly round-up. On the first open of a new month, see how last month went and set a limit for categories that don't have one, with a suggested amount. • Auto Mode: categories without a limit show what you usually spend, and a limit you set now applies to every month. • A daily streak in Recent Updates, in every mode. • Linking a bank in Classic Mode no longer makes you wait, and tells you where new transactions will show up. • Fixes: Reflect amounts show your currency symbol, an expense can no longer go to Ready to Assign by mistake, renaming a category keeps its other settings, YNAB import fixes, and deleting a category lists exactly what will be removed.

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Subscriptions & In-App Purchases

Spense Monthly

Monthly Spense Price

$2.991 Month
14 Days trial
How to cancel Spense subscription ⁉️

User reviews

Good Budgeting App

I had no idea how much I was spending on recurring subscriptions I had forgotten about and on vtuber merch. Spense made it easy to see where I could cut my spending, like canceling some of these subscriptions or buying less food, so I can buy even more merch of my oshi. Good app.

Perfect expense companion

I’m am extremely happy and satisfied with this app. It’s finally something that helps me to stay on top of my budget. Facilitate my personal operating expenses and protects towards over expenditures.
This app helps develop habits of mindful spending.
Kudos to the team for making this great app!! 👌🥇🎖️
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Master Budgeter

I be budgeting all day with this app. 11/10 would budget again.

Great app

This app has completely changed the way I manage my money. The interface is clean and easy to navigate, making it simple to track expenses and set realistic budgets. Highly recommended.

Helps me spreadsheet expenses with a modern ui

Proactive budgeting App ! something I had been waiting for is finally here . Best part this App allows you to budget your expenses proactively and not be reactive to your spend . Must for financial success !

FAQ

How does Spense's zero-sum budgeting work?

Spense uses zero-sum budgeting, meaning you assign every dollar of your income to a specific category (envelope) until your 'To be budgeted' amount reaches $0. This ensures every dollar has a purpose and prevents idle money.

Is Spense free to use?

Yes, Spense is free for manual budgeting. You can create accounts, add transactions, and manage your envelopes without any cost. Automatic bank syncing requires a paid subscription.

What are the subscription costs for Spense Plus?

Spense Plus offers automatic bank sync for $4.99 per month or $49.99 per year. A 14-day free trial is included for the bank sync feature.

Can I import my data from YNAB to Spense?

Yes, Spense allows you to import your existing categories and transaction history from YNAB. This makes switching to Spense a seamless process.

What security measures does Spense use for bank syncing?

Bank syncing is handled by Plaid with read-only access. Spense also employs bank-level security with biometric authentication for user accounts.

How often is Spense updated?

The app was last updated on February 11, 2026, indicating active development and regular updates to improve functionality and reliability.

What devices is Spense compatible with?

Spense is available for iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users.

What is the age rating for Spense?

Spense has an age rating of 4+, making it suitable for users of all ages interested in managing their finances.