Budgeting and debt payoff planner with no bank linking and no data selling
Know the day you'll be debt-free
Stage
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Founded
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Based in
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Pricing model
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Freemium
Pricing
Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
Free for core features. Premium available as monthly subscription, yearly subscription, or one-time lifetime purchase. Premium subscriptions include a free week trial.
Key features
Avalanche, snowball, or custom debt payoff order
Projected debt-free date
Financial forecasting up to ten years out
Overdraft warnings months in advance
Bank and credit card statement upload
No bank account connection required
Two-factor authentication and encryption
Consolidation offer calculator
Household sharing of financial books
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
What makes it different
No bank account linking – you enter numbers, not credentials
Price locked in for life – no rate increases
Reads bank statements to eliminate manual data entry
Actual debt-free date instead of vague projections
Warns of overdrafts months before they happen
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
The Silo
Spendry