Start free, upgrade when you're ready
Manual budgeting is free forever. Add automatic bank sync with Pro.
Free
Get started with envelope budgeting using manual tracking
Pro
Complete envelope budgeting with automatic bank sync
Everything you need for envelope budgeting
All features included in Spense Pro
Unlimited Envelopes
Create as many budget categories as you need. From groceries to vacation funds, organize your money your way.
Multiple Bank Accounts
Connect all your checking accounts, savings accounts, and credit cards through secure Plaid integration.
Smart Analytics
Get insights into your spending patterns, track progress, and make informed financial decisions.
Automatic Sync
Transactions sync automatically and get categorized into the right envelopes, saving you time.
Budget Forecasting
Plan ahead with intelligent forecasting that helps you allocate money for upcoming expenses.
YNAB Import
Already using YNAB? Import your existing budget structure and categories seamlessly.
Trusted by proactive budgeters
Bank-level Security
256-bit encryption & Plaid integration
Face ID Security
Biometric app protection
Cancel Anytime
No long-term commitments
Frequently asked questions
Everything you need to know about Spense pricing
What is envelope budgeting?
Envelope budgeting is a proactive method where you allocate your income into different "envelopes" or categories before you spend. Each envelope has a specific purpose (groceries, dining, entertainment) and a set amount. When an envelope is empty, you stop spending in that category or move money from another envelope.
What's the difference between Free and Pro?
The Free plan gives you full envelope budgeting with manual account and transaction tracking. Pro adds automatic bank sync via Plaid, so your transactions import automatically and get categorized for you. Pro costs $4.99/month or $49.99/year (save 17%).
Is my bank data secure?
Absolutely. We use Plaid for bank connections, which provides read-only access using bank-level 256-bit encryption. We never store your banking credentials, and all data is encrypted in transit and at rest.
Can I upgrade or cancel anytime?
Yes! You can upgrade to Pro or switch between monthly and yearly billing anytime. You can also cancel your Pro subscription whenever you want - you'll keep Pro features until the end of your billing period, then revert to Free.
How many bank accounts can I connect with Pro?
With Pro, you can connect unlimited bank accounts, credit cards, and other financial accounts through our secure Plaid integration. All your accounts sync automatically and transactions get categorized into your envelopes.
How is this different from other budgeting apps?
Most budgeting apps track where your money went (reactive). Spense helps you decide where your money goes before you spend it (proactive). Every dollar gets allocated to an envelope, preventing overspending and giving you complete control.
Ready to take control of your spending?
Start free with manual tracking, or upgrade to Pro for automatic bank sync. Either way, you get powerful envelope budgeting.
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