Counting down to payday
You want to know what is safe to spend between now and your next paycheck, without opening a spreadsheet.
Now on the App Store
On a computer?Point your iPhone camera here to download.
Know your true safe-to-spend balance.
Add a bank statement you already have. Spensyble finds your paycheck and your bills, then shows exactly how much you can spend before payday.
7-day free trial for new subscribers, then $79.99/year or $9.99/month. Cancel anytime.
On a computer?Point your iPhone camera here to download.
No bank login
Stays on your iPhone
Try it with sample data first
100% on-deviceNothing is uploaded
No bank loginNo account linking
CSV, Excel or PDFUse what your bank gives you
Made for iPhoneiOS 16 or later
See it in action
Watch it work, start to finish.
A quick walkthrough with sample data: confirm what Spensyble found, set your payday, and see what is actually yours to spend.
- PaycheckConfirm your income
- BillsApprove what repeats
- PaydayPick the date you get paid
- ResultSee what is safe to spend
How it works
From a bank statement to your number in three steps.
No setup, no sign-up with your bank. Start with a statement you already have.
01
Add a bank statement
Pick a statement from your phone. Three to six months gives Spensyble enough history to spot what repeats.
- CSV, Excel and PDF statements all work
- Add more than one statement, from any account
- Repeated and near-duplicate transactions are flagged, so adding next month's statement is safe
02
Confirm your paycheck and bills
Spensyble finds the income and the recurring bills for you. You stay in charge: tap to confirm, swipe to remove.
- Each bill shows its due day and how confident the match is
- Approve all the high-confidence bills in one tap
- Missed one? Find it, or add a custom paycheck or bill yourself
03
See what is actually yours
Enter today's balance. Spensyble takes out every bill due before your next payday and shows what is left.
- One clear number: actually available until payday
- A bar that splits locked-for-bills from free-to-spend
- A heads-up when your balance will dip before payday
Who it's for
Made for the days before payday.
Not linking a bank
You would rather keep your credentials to yourself. Spensyble works from a statement you already have. Using a credit union?
Juggling bills and subscriptions
Rent, phone, utilities, streaming. See every recurring bill and exactly when it hits.
Features
Built around one question.
How much can you actually spend before payday? Everything in Spensyble exists to answer it.
Safe-to-spend until payday
Your balance, minus every confirmed bill due before your next payday. One number you can trust.
Finds bills and paychecks
Recurring income and bills are detected for you, each with a confidence score and a due day.
CSV, Excel and PDF
Bring in whatever your bank lets you download. Add three to six months for the best read.
Smart duplicate checks
Add next month's statement without double counting. Repeats and near-matches are flagged for you.
Bills due before payday
A dated list of what is coming, in order. Adjust a single bill for one month without changing the rest.
Monthly totals and trends
See what your bills add up to each month, so nothing about your fixed costs is a surprise.
Share your trajectory
Send your Cash trajectory as a clean image, to a partner or a budgeting buddy.
Light and dark mode
Dark by default, with a light mode switch in Settings when you want it.
Backup and restore
Back up your data to a file and restore it on a new phone. Undo is there when you remove something by mistake.
Private by design
Your statements never leave your phone.
Spensyble is a local-first app. There is no server that receives your financial data, so there is nothing for us to see, store or sell.
Read the privacy policy →- Processed on your iPhoneStatements, balances and bills are read and calculated on your device only.
- No bank login, everWe never ask for or store bank credentials, and there is no account linking.
- Nothing sold or sharedWe do not sell your data or share your financial information with advertisers.
A note from the founder
I've always wanted an app that would allow me to quickly see what my balance would be any day of the month without the hassle of manual calculations or spreadsheets.
Most other apps have long, cumbersome setup processes where bank linking just doesn't work. I wanted something faster and more private, so Spensyble works from a statement you already have, and everything stays on your phone.
MattFounder of Spensyble
spensyblesupport@gmail.com
Pricing
Try it free for 7 days.
New subscribers get a 7-day free trial on either plan. Cancel anytime in your App Store settings.
Best value
Annual
$79.99 / year
About $6.67 a month. Save 33%.
- 7 days free for new subscribers
- Safe-to-spend until payday
- Cash trajectory and bills due before payday
- Monthly totals and trends
Monthly
$9.99 / month
Flexible. Cancel whenever you like.
- 7 days free for new subscribers
- Safe-to-spend until payday
- Cash trajectory and bills due before payday
- Monthly totals and trends
Subscriptions auto-renew until cancelled. Cancel in your App Store account settings at least 24 hours before the end of the current period. Payment is handled by Apple.
FAQ
Questions, answered.
Do I need to connect my bank account?
No. Spensyble never asks for a bank login and never links to your account. You add a statement file you download yourself, and everything is worked out on your phone.
Where do I find my bank statement?
Sign in to your bank's website or app and look for Statements, Documents or Download transactions. Choose CSV, Excel or PDF, and pick the last three to six months. Inside the app, tap "Where do I find my statement?" for a reminder.
Is my financial data uploaded anywhere?
No. Statements, balances and bills are processed entirely on your iPhone. There is no server that receives your financial data. See the privacy policy for the details.
How is my safe-to-spend number calculated?
You enter your balance. Spensyble subtracts every bill you have confirmed that falls due before your next payday, and what remains is your safe-to-spend amount until payday.
What if I add the same statement twice, or overlapping months?
Spensyble checks for duplicates and flags repeated and near-matching transactions, so adding a new month from the same account will not double count what you already loaded.
Can I try it before I pay?
Yes. Tap "See it with sample data" on the first screen to explore with made-up numbers. New subscribers also get a 7-day free trial.
How do I cancel my subscription?
Open Settings on your iPhone, tap your name, then Subscriptions, and choose Spensyble. You can also tap Manage Subscription inside the app's settings. Cancel at least 24 hours before the period ends to avoid renewal.
Which devices does it work on?
Spensyble is made for iPhone and needs iOS 16 or later.
Is Spensyble financial advice?
No. Spensyble is an informational tool. Please verify your account balances with your bank before making financial decisions.
How do I get help or report a bug?
Email spensyblesupport@gmail.com or visit the support page. We read every message.
Find out what is really yours to spend.
Download Spensyble and see your true safe-to-spend balance in a few minutes.
7-day free trial for new subscribers. No bank login.
On a computer?Point your iPhone camera here to download.