SpotFunds: Spending Coach

SpotFunds: Spending Coach

Speaks up before you spend

8 ratings
4 reviews
Free

Lowest price: Free a year ago (-100%)


Price history


Details

  • Released
  • Updated
  • April 13, 2015
  • September 24, 2026

Features

Background Location Access

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About

This app acts as a personal spending coach, helping you manage discretionary spending between paychecks. It calculates your "Ready-to-Spend®" amount daily, providing real-time feedback to prevent overspending and debt. The app learns your habits to offer personalized nudges and alerts.

✓Daily "Ready-to-Spend®" calculation
✓Real-time spending feedback
✓Personalized spending nudges
✓Privacy-focused location-based alerts
✓Siri integration for voice commands
✓Customizable widgets
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What's New in SpotFunds

2.3

September 24, 2026

Thanks for using SpotFunds! This release adds a few small bug fixes. Enjoy a more reliable app!

User reviews

Great!

Didn't take long for me to recognize my habit and change behavior all because of this app. I think it has already saved me a bunch of cash.

Easy and handy

I've used SpotFunds to track a lot of the on-the-go miscellaneous expenses for my small business (parking, business lunches, coffee shops, etc). I love how quick and simple it is. NO setup--you can just start tracking right away. And the smart locational prompts are awesome. Well worth it!!

Excellent!

Great for anyone who wants an easy way to keep an eye on their monthly spending.

Easy!

This app is so smart and easy to use! Finally an app the makes sense for keeping track of my spending! Love it :)

Developer apps

FAQ

What is SpotFunds' "Ready-to-Spend®"?

Ready-to-Spend® is the amount you can safely spend today, calculated daily by SpotFunds. Unlike other budget apps showing what's left, SpotFunds focuses on what's safe to spend now, acting like an energy gauge for your money.

How does SpotFunds ensure privacy with its notifications?

SpotFunds offers privacy-focused "SpotCheck Notifications" that only trigger when you arrive at places relevant to your budgets, and only if you opt-in. All location data stays on your device, ensuring 100% privacy.

Does SpotFunds connect to my bank accounts?

No, SpotFunds is designed to be 100% private. It does not connect to bank accounts, use cloud storage, or share your data. All your financial information stays securely on your iPhone.

How often is SpotFunds updated?

The latest version of SpotFunds is 1.22, last updated on March 4, 2026. This indicates a consistent update schedule to improve features and reliability.

What devices does SpotFunds support?

SpotFunds is currently available for iPhone. It is designed for the iOS platform and supports features like Siri integration and widgets.

What is the user sentiment for SpotFunds?

SpotFunds has received excellent user feedback, with an average rating of 5.0 stars from 7 ratings. This suggests a very positive user experience and satisfaction with the app's functionality.

Can I use SpotFunds with Siri?

Yes, SpotFunds integrates with Siri. You can ask Siri to "Get ready to spend for [category]" or to "Add a transaction in SpotFunds" for quick and convenient use.

Does SpotFunds have ads?

No, SpotFunds is completely free and does not contain advertisements. Users can enjoy the full functionality without any interruptions from ads.