A private budget app that shows what you can safely spend
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
US
Pricing model
Freemium
Free trial
Pricing
Free for core features. Premium available as monthly subscription, yearly subscription, or one-time lifetime purchase. Premium subscriptions include a free week trial.
7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
Key features
Debt payoff tracking with snowball and avalanche methods
Bill and payment reminders
Home screen widgets and Siri voice commands
Supports 44 languages and all major currencies
Shared budgets and goals with family or partners
Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
Afford It Decision Tool - checks whether a purchase fits the financial plan
Bill Reminders - track upcoming, due, paid, and overdue bills
Debt Payoff Tools - snowball and avalanche calculations with interest savings
Savings Goal Tracking - create and track progress on savings goals
Reserved Cash - separate committed money from everyday spending
Paycheck Planning - plan around income timing including irregular income
Manual Budgeting - plan without connecting a bank account
What makes it different
Shows the exact month you'll be debt-free
Data stored only on your iPhone and iCloud, not Spendry's servers
Works offline with local calculations
Automatic reminders for bills, cards and subscriptions even when app is closed
No bank sync or bank credentials required - keeps financial data private and avoids broken connections
Local-first architecture - financial data stored on device, never sold
Looks forward to upcoming obligations instead of backward at past spending
Shows safe-to-spend amount rather than just balance
Spendry
Savern