Expenses in seconds
Amount, category, done – even split across several categories. Scan receipts with the camera or share them to Spendra straight from other apps.
- iPhone
- Apple Watch
Budget planner & expense tracker for iPhone
Your private budget planner & expense tracker.
Log expenses in seconds, plan a budget for every category and never overlook a subscription or bill again. Spendra shows you every day how much you can safely spend. No account and no bank connection – your data stays on your device.
Free to download · Premium optional (in-app purchases)
- No account needed
- No bank connection
- No tracking, no ads
- Face ID lock
How it works
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Set your budget
Create budgets for your categories – or start with the 50/30/20 template.
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Log your expenses
Enter the amount, pick a category, done. Or scan a receipt.
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Stay on top of your money
Spendra shows what you can safely spend and reminds you of upcoming payments.
A look inside the app
Clearly laid out, so you understand your finances in seconds.
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Safe to spend -
Budget envelopes -
Stats -
Subscriptions at a glance -
Savings goals -
Log in seconds
Everything for your household budget
The badges show whether a feature is available on iPhone, Apple Watch or both.
Budget envelopes
One budget per category – weekly, every two weeks or monthly – with rollover into the next period. 5 envelopes are free, unlimited envelopes with Premium.
- iPhone
- Apple Watch
Safe to spend
See at a glance how much you can still spend today without blowing your monthly budget.
- iPhone
- Apple Watch
Subscriptions & bills
Every payment in one calendar, with reminders before the charge, before a trial ends and before the cancellation deadline. Around 150 well-known services are already built in.
- iPhone
- Apple Watch
Savings goals
Set a goal with an amount and a date and see when you will reach it at your savings rate. 1 goal is free, any number of goals with Premium.
- iPhone
Statistics
Income and expenses by week, month and year, spending by category and your spending pace. Monthly comparison, cash flow and forecast with Premium.
- iPhone
Recurring transactions
Spendra books your paycheck, rent and similar items automatically on the right date.
- iPhone
Widgets, Siri & Face ID
Home and Lock Screen widgets, logging expenses with Siri and locking the app with Face ID – all free.
- iPhone
Apple Watch
Log expenses from your wrist and check your daily budget, envelopes, recent transactions and upcoming payments.
- Apple Watch
A budget app without spreadsheets or bank access
Your data stays with you
Spendra needs no access to your bank account. You enter what you spend – it takes seconds and makes you more aware of your spending than any automatic sync.
Envelope budgeting
Every category gets its own envelope with a fixed amount. When it is empty, you know to move money around or wait. Money left over can roll into the next period.
Subscriptions and bills under control
Streaming, gym, insurance: Spendra shows all your recurring costs in a calendar and reminds you in time before the charge, the end of a trial and the cancellation deadline.
Your money. Your data.
Spendra works without an account, without a bank connection and without its own server. Your transactions stay on your device.
- No account, no bankNo login and no access to your bank account.
- No tracking, no adsNo analytics tools and no ads in the app.
- Face ID lockProtect your finances with Face ID or Touch ID – free.
- Optional: your iCloudWith Premium, you sync through your private iCloud.
Start free, upgrade when you need more
Free
- Log as many income and expense entries as you like
- 12 categories plus 1 custom category
- 5 budget envelopes with rollover
- Subscriptions and bills with reminders
- 1 savings goal and 1 trip
- Statistics by week, month and year
- CSV export of the current month
- Widgets, Siri, Face ID and Apple Watch
Premium
Optional, as a subscription or one-time purchase in the app
- Unlimited envelopes, categories, savings goals and trips
- Monthly comparison, cash flow, forecast and year in review
- Subscription insights and price increase alerts
- Net worth overview
- CSV export of all transactions
- Daily budget as a Live Activity
- 8 more accent colors
- iCloud sync
Frequently asked questions
Is Spendra free?
Yes. Transactions, budgets, subscriptions with reminders, statistics and widgets are free. More envelopes, advanced insights and iCloud sync are optional with Premium as an in-app purchase.
Does Spendra connect to my bank account?
No. Spendra deliberately has no bank connection. You log income and expenses yourself – quickly by tap, receipt scan or Siri.
Do I need an account?
No. Spendra works without an account, login or sign-up.
Can I export my data?
Yes, as a CSV file: the current month for free, all transactions with Premium.
Does Spendra remind me of upcoming payments?
Yes, for free: before every charge, before a trial ends and before the cancellation deadline – with a lead time you choose.
Is there a Spendra app for Android?
An Android version is planned. As soon as it is available, you will find the Google Play link here.
What can the Apple Watch app do?
Log expenses and view your daily budget, envelopes, recent transactions and upcoming payments. The data comes from your iPhone.
Which currencies are available?
You choose one of 14 currencies, including euro, US dollar, pound and Swiss franc. For trips, Spendra converts foreign currencies using the European Central Bank rate.
Ready for your budget?
Download Spendra for free and log your first expense today.
plannedAndroid