No judgement
Overspending happens. SpendWise talks about categories that “need attention” and shows you how to adjust — never “you failed”.
About
Money stuff should feel clear, not scary.
SpendWise exists to help people plan how their money will be used, understand where it's going, and share costs with the people in their lives — without shame, jargon or surprises.
What we believe
Four promises built into the app
Plain language
Ready to Assign, Available, You owe, Owed to you. Labels say what they mean, and statuses use words and icons, not just colour.
Honest numbers
Balances are calculated from your recorded transactions and settlements, and the balances in a split group always add up to zero. No estimates dressed up as facts.
You're in control
You decide what to record and where money goes. SpendWise never connects to your bank, never moves money and never pays anyone on your behalf.
What SpendWise is
A planning tool for your everyday money
- An envelope budget for one person's money, with goals for saving and paying off debt
- A place to record income, spending and transfers between your accounts
- A bill splitter for groups of friends, roommates and family
- A web app in beta that works on phones, tablets and computers
What it isn't
Clear about the limits
- Not a bank, and it doesn't hold or move money
- Not connected to your bank accounts — you enter transactions yourself
- Not a financial adviser — it shows your numbers; decisions are yours
- Not a promise of savings — it gives you the clarity to make your own plan
Your data
Treated with care
Where it lives
Your data is stored with our database provider, Supabase, on servers in Oregon, USA. Details are in the privacy policy.
No ad trackers
The app doesn't include advertising or third-party analytics SDKs. If the app crashes, a scrubbed error report goes to SpendWise's own server.
Take it or delete it
Download a copy of your data from Settings, and delete your account whenever you want — in the app or from the account deletion page.
See if SpendWise fits you
It's free to start, and you can delete your account at any time.