SpendSense
Features

One income. Three jobs. One number you can trust.

SpendSense takes your bills out first, keeps your savings on track, and shows what’s truly yours to spend. Here is everything it does, and what makes it different.

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Every month is the coin

  • One number you can trust

    What’s free to spend after bills and the savings you put aside, updated with every purchase you add.

    How it works

  • Real paydays, not averages

    Paid every two weeks? Budget two paycheques a month and send the extra ones straight to savings, or count each payday as it lands.

    How it works

  • Paystubs you control

    Generate a year of paydays in one click, then move a paycheque to the month you want it to count in, change its amount, or send it to savings.

    How it works

  • Bills, paid first

    Monthly bills every month, yearly bills in their payment month, or a twelfth set aside monthly so a big bill never catches you off guard.

    How it works

  • A yearly savings goal

    Set a goal for the year. SpendSense turns it into a monthly target and shows whether you’re on pace.

    How it works

  • Savings in buckets

    Organize savings by account (TFSA, RRSP, FHSA and US or UK equivalents) or by your own funds.

    How it works

  • Made for the household

    Each member’s income and paydays, shared or personal bills, and savings for the whole family or for one member.

    How it works

  • Nothing left unassigned

    When a month ends, send what you didn’t spend to next month or move it to savings. You decide.

    How it works

  • Monthly and yearly analytics

    Where your income went and how you’re tracking against your plan, by month or year, for the family and for each member.

    How it works

  • Private by design

    No bank login, no ads, no selling data. Download or delete everything at any time.

    How it works

What makes SpendSense different

  1. 01

    Answers before you spend

    Most apps chart what already happened. SpendSense tells you what’s free right now, with bills and savings already accounted for.

  2. 02

    Every dollar has a place

    What comes in always equals bills, saved, spent, carried over and still left. Nothing quietly disappears.

  3. 03

    Built around real paydays

    Three-paycheque months, paycheques moved to the month you choose, yearly bills and monthly set-asides all follow clear rules, so you don’t have to do the math.

  4. 04

    One formula, everywhere

    The Dashboard and Analytics read the same calculation, so two screens never disagree.

  5. 05

    Every member counts

    Income, paydays, bills and savings per person, adding up to one household plan. See the family, or just one member.

  6. 06

    You stay in control

    No bank login. Undo a decision, download your data, or delete everything at any time.

SpendSense in numbers

Not one budget for everyone: SpendSense adapts to each member’s pay, your bills, your country’s savings accounts and your language.

formula behind every screen
1
The Dashboard and Analytics read the same calculation.
ways to count biweekly pay
3
Windfall, actual paydays, or a smoothed average.
pay frequencies
3
Every two weeks, monthly or yearly, set per member.
ways a bill can count
4
Monthly, yearly on its date, spread over the year, or set aside monthly.
savings account types
14
TFSA, RRSP, FHSA, 401(k), IRA, ISA and more, for Canada, the US and the UK.
member roles
4
Owner, partner, child or other, each with their own pay.
languages
2
English and French. Switch any time.
bank logins needed
0
You add your numbers. We never ask for your bank password.

See your own number in two minutes.

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

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