One target a day.
A future you'll love.
Spenday sets your savings aside first, then turns the rest into a daily budget you can actually keep. Small wins every day add up to the big things you're saving for.
No bank login. No account. Free to start.
See how it worksYou're doing great!
On track$49.60 safe to spend today
of your $80 daily limit
Daily limits use your current salary settings.
The problem
Monthly budgets fall apart by week three.
A month is too long to feel. $2,400 looks like plenty on day one, so a few small “yes”es slip through, and by the time you notice, there's no month left to fix it. Spenday shrinks the decision to today, where it's easy.
Same pay. Same month. Two ways to spend it.
Money left to spend · starts at $2,400
Monthly budget runs out
8 days to paycheck
Monthly budget$2,400 feels endless on day one. Most of it is gone by week three, and you only notice once it's too late to fix.
With SpendayThe same money becomes $80 for each day. Overspend today and tomorrow tells you right away, and it lasts all the way to paycheck.
A day is short enough to get right. String enough of them together, and the big goals follow.
The daily method
Big goals are built
one day at a time.
Monthly budgets are easy to set and easy to forget. Spenday sets your savings aside first and turns the rest of your pay into one simple number: what's safe to spend today. Stay under it, and the long term takes care of itself.
You're doing great!
On track$80.00 safe to spend today
of your $80 daily limit
Day done, under budget
Finished $80.00 under today. That's yours to keep.
Every day gets a color. Watch your green streak grow.
01
Tell Spenday your plan
Add when you get paid and how much you want to save. Your savings come off the top before a single coffee.
02
Get one number for today
What's left is spread over the days until payday. No spreadsheets, no categories to babysit, just today's limit.
$3,000 pay−$600 saved÷30 days=$80 a day03
Stay in the green
The gauge drains as you spend, turning green, amber, orange and red. You always know where you stand, and the app glows to match.
Free daily budget calculator
How much can you spend today?
Two numbers and you'll know. No sign-up, nothing saved.
Around your daily number
Everything that feeds it. Nothing in the way.
Your bank texts you. Spenday does the typing.
When your bank sends a spending alert, Spenday reads it and fills in the transaction for you: amount, account and time. One tap to confirm, and it comes straight off today's number.
- 1Your bank sends its usual textThe spending alert you already get, with nothing new to set up at the bank.
- 2Spenday reads it on your phoneAmount, account and time are filled in and waiting under Need Confirmation.
- 3You tap to confirmIt lands on its day and today's number updates. Nothing is saved until you say so.
- No bank login
- Messages stay on your phone
- iPhone & Android
Your Bank
Card ending 4417 was used for $4.50 at COFFEE HOUSE.
Available Balance
$4,812.40
Transactions
See more
Stay ahead of your cards.
Track credit card balances, limits, settlement dates and payment dates, so nothing lands as a surprise.
Tomorrow shouldn't surprise you.
Recurring bills, installments and upcoming commitments show what's already spoken for before it happens.
November
Scheduled payments
Coming up
- Nov 12Spotify-$11.99
- Nov 14Phone plan-$45
- Nov 16ChatGPT Plus-$20.00
- Nov 18Laptop3 of 12-$120
- Nov 19YouTube Premium-$13.99
- Nov 22Netflix-$15.49
+ 4 more before paycheck
Already spoken for
$676 is due before paycheck, so nothing on this list catches you off guard.
Brand names and logos are trademarks of their owners, shown as examples of subscriptions you might track. Spenday isn't affiliated with them.
Pay yourself first. Automatically.
Choose how much to set aside each payday. Spenday takes it off the top and builds your daily budget from the rest, so saving isn't whatever happens to be left at the end of the month.
Payday
$3,000
Your pay lands
Saved first
$600
Off the top, before spending
Daily budget
$80
The rest, over 30 days
Spend without losing the plot.
Give the categories that matter their own budget. Each one shows what's left and for how many days, and turns red the moment it goes over.
- One overviewEverything you've budgeted, spent and have left, in one ring.
- Your period, your wayBudget by calendar month, by pay period, or over several months.
- Over? You'll see itAn overspent category shows by how much, so you can rebalance early.
Budgets
Your money, finally explained.
Trends, rankings, patterns and the long view, worked out on your phone from what you already track. No spreadsheets, no exports.
Spending trends
Week, month or year with your average and the change since last time.
Expense
$360.00
-8.2%Biggest money drains
Your categories ranked, with their share and how they moved since last month.
- 1Groceries31%▲ 4%$420
- 2Eating out24%▲ 18%$325
- 3Transport14%▼ 6%$190
- 4Shopping11%▲ 9%$150
Fastest-growing drain
Eating out is up 18% on last month. Tap any category to see every transaction behind it.
Your week, mapped
See which days of the week your money goes out.
Fridays and Saturdays take the biggest bite. Knowing your heavy days makes them easier to plan for.
Private insights
On-device AI spots what's changed. Your data never leaves your phone.
We noticed something
Eating out is up 18% this month, mostly on weekends. Two fewer takeaways would put you back on budget.
Net worth
Every account and card, assets minus what you owe, over time.
$18,560
$4,200 in 12 months
Private by design
Your money isn't our business model.
Spenday keeps your finances on your phone. Here's exactly what stays there, what leaves only when you choose, and what we never ask for.
Stays on your phone
Stored in the app on your device. We don't receive it.
- Balances, transactions, budgets and categories
- Bank texts Smart Capture reads, processed on the phone, then deleted
- Private AI insights: the analysis runs on the device
Leaves only if you choose
Nothing goes anywhere until you tap it.
- A backup file you export, saved wherever you put it
- Google Drive backups, saved to your own Drive
- Pro purchases, handled by Apple or Google
We never ask for
- Your bank login
- An account or email
- Ads
- Selling your data
Store versions of the app use basic, anonymous analytics to see which screens get used, never your balances, transactions or messages.
The full details are in our Privacy Policy.
Money is supposed to support your life. Not take it over.
Spenday gives you one clear number each day, so everyday decisions stop feeling like guesses.
Pricing
Free to start. Pro when you want more.
Free
The whole daily method. No time limit.
- Daily budget and gauge
- Savings set aside first
- Monthly or weekly pay
- Budgets, bills and calendar
- Smart Capture from bank texts
- Up to 2 accounts
- Backup to a file
Spenday Pro
Weekly, yearly or lifetime with a free trial.
- Everything in Free
- Unlimited accounts and cards
- CSV and Excel export
- Automatic Google Drive backup
- Where-did-it-go spending insights
- Custom theme colors
Current prices are shown in the app and on the App Store and Google Play, in your currency. Subscriptions renew until cancelled in your store account settings.
Questions, answered
Everything you might want to know.
No. Spenday never asks for your bank login. Add transactions in a couple of taps, or let Smart Capture suggest them from your bank's text alerts, on your phone, with nothing sent to us.
Tell Spenday when you get paid and how much you want to save. Your savings come off the top, and what's left is spread evenly over the days until your next payday. That's your daily limit. The gauge on your Home screen shows how much of today's is left.
Nothing breaks. The gauge turns red so you know, and every day starts fresh with its own limit. The calendar shows each day's result, so you can see your good streaks, and the days to learn from.
Yes. Choose monthly or weekly pay and your payday, and Spenday works out the right daily limit for each pay period.
Saving happens first, not with whatever's left at the end of the month. You choose an amount to set aside each payday, and your daily budget is built from the rest, so staying in the green means your savings are already protected.
Smart Capture reads the text alerts your bank sends and suggests the transaction for you: amount, account and date filled in. On Android it uses notification access; on iPhone a Shortcuts automation. Nothing is recorded until you confirm it, and messages never leave your phone.
You can download Spenday for free. Spenday Pro unlocks more features with a weekly or yearly subscription or a one-time lifetime purchase. Current prices are shown in the app and on the store listing.
Income, expenses and transfers across multiple accounts, credit cards with their due dates, category budgets, recurring payments and installments, and your net worth.
Yes. Accounts can each use their own currency, and Spenday converts everything to your main currency for your daily budget and reports.
Yes. Your data is stored on your phone, not on our servers. There's no Spenday account to create. You can back up to a file or your own Google Drive. Read our Privacy Policy for the details.
Yes. Export to CSV or Excel whenever you like, and back up or restore everything from Settings.
Yes. Spenday is available for iPhone and Android.
Start with today.
Set your pay and your savings, and get today's number in under a minute. Free on iPhone and Android.
You're doing great!
On track$49.60 safe to spend today
of your $80 daily limit
Credit card
Visa •••• 4417
Balance
1,248.60
Expense
$360.00
-8.2%Budgets