SpendSense
Free during early access

Clarity to spend.Confidence to save.

Know exactly what you can spend.

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Try it with your own month

Bills come off first, then your savings plan. What’s left is yours to spend, and SpendSense keeps that number honest as the month goes on.

$5,200
Every paycheque in the month, after tax.
$2,400
Rent, phone, insurance, subscriptions: what you owe no matter what.
$600
What you want to put aside this month.
Free to spend this month$2,200About $73 a day, with your bills and savings already covered.
Track this number all month.Create your free account

Your money data stays yours.

Read the privacy policy

  • No bank passwords, ever

    You add your numbers yourself. We never ask for your bank login.

  • No ads, no selling data

    Your money data runs your budget and nothing else.

  • Yours to take or delete

    Download everything, or delete your account and data, any time from your account settings.

  • Made for the whole household

    Invite your partner. Shared bills, paydays and goals, one plan everyone can see.

Questions, answered

Is SpendSense a free budget app?

Yes. SpendSense is free while it is in early access, with no card needed to sign up.

How does SpendSense work?

Add your take-home pay, your bills and how much you want to save. SpendSense takes out your bills first, plans your savings toward a yearly goal, and shows one number: what is truly free to spend this month. That number updates as you add spending.

Does SpendSense connect to my bank account?

No. You add your numbers yourself, and SpendSense never asks for your bank login, card numbers or government ID.

Can my partner and I share one budget?

Yes. SpendSense is made for households: invite your partner to share bills, paydays and savings goals in one family budget that everyone can see.

How is SpendSense different from a budgeting spreadsheet?

A spreadsheet shows what you planned. SpendSense keeps the plan live: bills, paydays and savings are already accounted for, so you can check what you can spend right now without doing the math.

Does SpendSense help me save money?

Yes. Set a yearly savings goal and SpendSense shows every month whether you are on pace, with your savings organized in buckets: account types like a TFSA or RRSP in Canada (and US and UK equivalents), or your own funds.

Which countries and currencies does SpendSense support?

SpendSense is made in Montréal, Canada, and supports Canadian dollars, US dollars, euros, British pounds and Australian dollars. It is available in English and French.

Is there an app to download?

No download needed. SpendSense runs in your web browser on your phone, tablet or computer.

Is my financial data safe?

SpendSense shows no ads and never sells your data; your money data is used only to run your budget. You can download all your data or delete your account at any time.

Know your number before you spend.

Free while we’re in early access. No card needed.

Create your free account