Connect your financial accounts securely using Plaid (iOS and Android) or Apple FinanceKit (iOS only). Plaid supports thousands of US banks, credit unions, and financial institutions. FinanceKit syncs data directly from your device without a third party.

Every transaction from your linked accounts is automatically pulled in and categorized for you. Categories are assigned intelligently based on the merchant and transaction details. Don't agree with a category? You can create custom categories and recategorize transactions however you like.

Set monthly spending budgets by category — groceries, dining, entertainment, you name it. Spendify tracks your spending against each budget in real time so you always know where you stand.

Keep track of your credit cards and loans in one place. Spendify tracks balances, interest rates (APR), and helps you stay on top of what you owe.

Spendify automatically identifies recurring transactions — subscriptions, bills, regular payments — so you can see exactly what's coming out of your accounts each month.

Get smart, personalized insights about your spending habits. Spendify analyzes your data to spot trends, highlight unusual activity, and help you make better financial decisions.

See the full picture with net worth tracking. Spendify adds up your assets and subtracts your liabilities to give you a clear, up-to-date view of your overall financial health over time.

Stay in the loop with privacy-focused push notifications. Spendify keeps you informed without ever showing sensitive financial details on your lock screen — account names, amounts, and merchant info stay hidden until you open the app.

Protect your financial data with Face ID, Touch ID, or fingerprint unlock. Quick, secure access every time you open the app.

Easy on the eyes. Spendify features a dark mode UI that follows your device's system setting.

Unlock advanced features with a Premium subscription. Check out the Subscription & Billing section of the Help Center for details on what's included.