Am I going to be okay?
Your expected balance day by day, your lowest point, and how much you can spend each day until your next paycheck.
See the forecastBudget forecasting, on iPhone and on the web
Your budget, one step ahead.
Your salary, your bills, your subscriptions and your everyday budget: Spendless turns them into your balance, day by day. You see tight months coming before they start.
No bank connection. Free to start.
spendless.io/app
Thursday 12 November · Estimated balance €660.00 · checked today
You're in the clear until 11 February.
At your lowest, you'll still have €246.51, on 27 November.
To spend per day
€37.40
Until your next income (Salary, on 28 November), without going below zero.
Today11 Feb
This month
Available
Balance, income and bills expected by 30 Nov
Everyday spending
€242.00 of €660.00 this month.
End of month
€2,630.51Coming up
See allSunday 15 November · Netflix
-€13.49Friday 20 November · Home insurance
-€48.00Saturday 28 November · Salary
+€2,450.00Thursday 12 November
You're in the clear until 11 February.
At your lowest, you'll still have €246.51, on 27 November.
Today27 Dec
3 months12 months
This month
Available
€3,048.51Everyday spending
-€418.00End of month
€2,630.51Why Spendless
Every number answers a question.
Budgeting apps show you where your money went. Spendless tells you what's going to happen, so you can decide ahead of time.
Can I afford it?
Try an expense before making it with “What if…?”: Spendless tells you whether it fits, or from when.
See “What if…?”How do I get ready?
Holidays, Christmas, car insurance: Spendless sets money aside every month and reserves it for the big day.
See goals01Product
Set your plan once. See ahead every day.
No mode to pick: what was planned is assumed to have happened, and your everyday budget covers groceries. Note your spending if you like, check your balance now and then: the forecast stays right.
Every schedule repeats on its own, weekly to yearly. The Plan tells you what you have left each month, what your subscriptions cost over a year, and the yearly bills not to forget.
spendless.io/app/plan
Every month, you have €1,283.52 left.
Your income, minus your spending and savings, averaged over a month.
Income
Salary
Every month · Next on 28 Nov
Expenses
Rent
Every month · Next on 1 Dec
Phone
Every month · Next on 5 Dec
Electricity
Every month · Next on 10 Dec
Netflix
Every month · Next on 15 Nov
Home insurance
Every month · Next on 20 Nov
Transfers and savings
Savings account
Every month · Next on 2 Dec
Subscriptions
Phone
€19.99
Netflix
€13.49
Yearly expenses
4 yearly expenses aren't in your plan.
Property tax, boiler service, back to school, Christmas presents…
Show
02Features
Everything you need to see it coming.
On iPhone and on the web, with the same account.
An expenseBike · €180.00 · 20 Nov
It's tight.
Your low point would go from €246.51 to €66.51, on 27 November.
Wait until 28 November to keep some margin.
In grey, your current forecast.
What if…?
Try an expense before making it: Spendless tells you whether it fits, and when it would fit safely.
Holidays in Lisbon
€300.00 of €1,200.00€150.00 per month · 1 July
Car insurance
€160.00 of €480.00€80.00 per month · 15 March
The money set aside stays in your account, but it's reserved.
Goals
Holidays, Christmas, car insurance: money is set aside every month and reserved for the big day.
You kept €430.00 by letting go of your wishes.
Headphones
12 more days to think it over.
Fits safely from 28 November.
Road bike
Fits safely from 28 December.
WishesOn the web
Want something? Give it 30 days. Spendless tells you when it fits safely, then asks whether you still want it.
In October, you spent €1,486.20.
€54.10 less than your average of the previous 3 months.
Housing€820.00
Groceries€318.40
Transport€142.30
Leisure€96.50
Spending
Where the money goes, category by category, against your average of the previous months.
MTWTFSS123456789101112131415161718192021222324252627282930
Saturday 28 November · Salary
Expected balance that evening: €2,674.51
Upcoming
What's coming, as a list or a calendar, with your expected balance every evening.
30 days ago, Spendless expected €1,240.00 for today. You have €1,198.60, €41.40 less.
Everyday spending
€660.00 planned, €716.40 counted
Unexpected income
+€15.00Your everyday spending has exceeded your €660.00 budget for two months. Switch to €720.00 per month?Update my budget
Was your forecast right?Premium
30 days later, Spendless compares what it expected with what you have, and explains the difference.
And also
- Several accounts: checking, savings, cash
- Transfers between accounts
- Everyday budget
- One-off expenses, outside the budget
- Overdraft alerts
- Weekly check-in, on the day you choose
- CSV and OFX statement import, on iPhone
- Export your data
- Light or dark theme
03Your data
No bank connection. By choice.
Spendless never has access to your bank. You stay in charge of what you note, and your forecast stays right without anyone reading your statements.
No access to your bank
No bank credentials to hand over, no middleman between you and your money.
Your labels, encrypted
The names and notes of your accounts, schedules and transactions are encrypted on our servers.
Your data is yours
Download it or delete your account whenever you like, from the settings.
04Pricing
Free to start. Premium to see further.
Everything that makes your forecast right is free. Premium extends the horizon, lifts the limits and adds alerts.
Free
€0forever
- 1 account
- 3-month forecast
- Plan, subscriptions and yearly bills
- Everyday budget
- “What if…?” over 3 months
- 1 active goal
- Calendar, spending by category, checked balance
Premium
Monthly or yearlycancel anytime
Everything in Free, plus:
- Unlimited accounts: savings, joint account, cash…
- 12-month forecast and “What if…?”
- Unlimited goals
- Overdraft alerts and clearing reminders
- Weekly check-in
- Was your forecast right?
- CSV and OFX statement import, on iPhone
Premium is bought in the iPhone app and works on the web too.
Get started05FAQ
Your questions, our answers.
Can't find yours? Write to us, we'll get back to you quickly.
Ask a questionDo I need to connect my bank?
No, and you never will. You enter your balance and your plan, Spendless works out the rest. On iPhone, Premium also lets you import a CSV or OFX statement exported from your bank.
Do I have to note every expense?
No. What was planned is assumed to have happened, and your everyday budget covers groceries, fuel and going out. Note your spending for more precision, or simply check your balance now and then: the forecast starts again from there.
How is it different from a budgeting app?
A budgeting app sorts what you've already spent. Spendless starts from what's coming: your income, your bills, your goals. It tells you whether you'll be okay, and it's accountable: 30 days later, it compares its forecast with reality.
Can I use Spendless on a computer?
Yes. The web app, at spendless.io/app, uses the same account as the iPhone app. You can also sign up there directly.
What about Android?
There's no Android app for now. The web app works in your phone's browser, with the same account.
Is my data protected?
Spendless has no access to your bank. The names and notes of your accounts and transactions are encrypted, and you can download your data or delete your account at any time from the settings.
Can I share an account with someone?
Not yet. Account sharing will come in a future version.
How does Premium work?
Premium is bought in the iPhone app, monthly or yearly, and you can cancel anytime. It works on the web too, with the same account.
Get started
Your forecast, in five minutes.
The guided setup asks you three questions. At the end, you know how long you're in the clear.
- 1
Your account
Its name and the balance your bank shows.
- 2
Your income
Your salary, your benefits, and when they arrive.
- 3
Your bills
Rent, electricity, phone, subscriptions.
Or write to uscontact@spendless.io
Choose where to start
On iPhone
The full app, with alerts and the weekly check-in.
Already have an account? Sign in