Money is easy.
Until there are two of you.
Now there are two incomes. Two cards. Several subscriptions nobody remembers signing up for. And one recurring question:
“Where did all our money go?”
Nobody knows. Fantastic. That’s why Spendly exists.
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A money manager made for couples.
Your money. Your spouse’s money. The money you spend together. And the mysterious fourth category: money neither of you remembers spending.
See the household together, or switch to just your own finances. Track spending, budgets, savings, recurring bills and debt — without maintaining a spreadsheet that eventually becomes one spouse’s unpaid second job.
Just say what you spent.
Tap the mic and say it.
“$600 groceries for us, $350 Uber just me, $1,400 dinner yesterday, and $999 electricity.”
The app separates everything into transactions, figures out the dates and categories, and shows you the draft.
You check it.
Then you save it.
Because an AI deciding your financial history without asking would be… concerning.
Was it yours or ours?
Every transaction can be Us both or Just me. A tiny button with enormous diplomatic significance.
“We spent $600 shopping.”
One tap changes one word. Emotionally? Different continents.
Couple view. Then just you.
See both of you together — income, expenses, budgets, savings, everything. Then switch to just me.
Because marriage is about sharing your life. Not necessarily every $249 purchase you’ve ever made.
Budgets that show you what actually happened.
Create a household budget. Create personal budgets. Set limits for individual categories. Or give Smart Budget your income and divide it between bills, spending and savings.
If you go over budget, you’ll see exactly how far over. Nothing dramatic needs to happen — the number is dramatic enough.
Recurring expenses.
Rent. Milk. Internet. Subscriptions. Utilities. All the financial characters who appear in exactly the same episode every month. Add them once and let the app handle the schedule.
You can also see what next month is already planning for you — because technically the money is still in your account. Spiritually, some of it has already left.
“I thought you paid it.”
A sentence responsible for countless wonderful evenings. See which recurring payments are coming up and how many days remain. Turn on reminders when you want them.
Track debt separately.
Loans. Credit cards. Installments. Money borrowed from friends. See what you originally owed, what you’ve paid off, and when you’re projected to be free of it. Your salary didn’t increase — you just stopped sending part of it to somebody else.
Pay off a debt completely? Confetti.
We reserve celebration for this. Buying something under budget is nice. Eliminating a debt you’ve been dragging around for three years? Different category.
Money you’ve lent isn’t your money yet.
Your friend owes you $500.00. We don’t subtract that from your debts and pretend everybody had a productive afternoon. Money owed to you stays separate from money you owe.
See what your spouse logs.
Get notified when your spouse adds a transaction. Sometimes useful, sometimes educational, sometimes best discovered through the daily digest. You choose.
Quiet hours are also available.
There’s financial information you should know, and there’s financial information you don’t need to discover while lying in bed at 12:43 AM. Civilization has survived this long. It can wait until morning.
Make your own categories.
Groceries. Kids. Pets. Travel. Dates. Home. Hobbies. Subscriptions. Things we needed. Things one of us claimed we needed. You decide — and because voice logging knows your category names, you can make them as specific as your household requires.
Every angle on the same number.
Daily bars, a pace line against last month, a calendar you can read at a glance, income stepping down category by category, who logged more this month — and, once you’re paired, the two of you laid over each other. Some live in Settings until you switch them on. A column of totals wasn’t cutting it, so now there are pictures.
Save together.
Set a monthly savings target and see how much of your income is actually left after the month has finished introducing itself.
People love saying money doesn’t grow on trees. True. But subscriptions apparently reproduce in the dark.
Savings takes 20% off the top of $4,000.00 — $3,200.00 left for the categories below to split. Drag a category and the rest rebalance around it; a locked one only moves if you drag it directly.
Search your financial history.
Filter transactions by category, date or amount. So the next time somebody says “we don’t eat out that much,” you don’t have to argue.
Open the app. Filter by category. Look at the number. Close the app. Maintain eye contact. Technology is wonderful.
Two people. One financial picture.
Pair with your spouse. See your household together. Keep personal spending identifiable. Build budgets together. Track bills together. Pay off debt together. Save together.
And finally know the answer when one of you asks: “how did we spend that much?”