SPEND.

A manual, offline-first personal spending tracker.

Cash Flow Tracker

Tracks your cash flow, not your net worth. See exactly how much you can spend in a given time period.

Pay Cycles

Forget calendar months. Set custom periods based on when you actually get paid to calculate your budget.

Private by Design

No bank connections, no tracking. Enter only the expenses you want to count, and update your balance.

Offline-First

Works without an internet connection. Saves locally and syncs in the background when you reconnect.

Get Spend
01

App

Know exactly where you stand. See your balance, your Safe to Spend, and watch your Daily Cap recalibrate in real time when you update your balance.

02

Transactions

Add incomes and expenses, and let the math map out your upcoming timeline. Set recurring bills, annual payments, or irregular incomes like selling a camera lens.

03

Timeline Splits

Change a recurring bill's amount halfway through the year. Update one instance or change the rule moving forward. Spend preserves your historical data.

04

Accounts

Add up to three spending accounts in USD, EUR, or CZK. Pick from four themes. Factor in holidays from 23 localized calendars.

Features

Holiday Float Logic

When a bill lands on a weekend or holiday, Spend can automatically float the transaction to the previous or next business day based on the local calendar and your preferences.

Double-Entry Transfers

Move money between your spending accounts. The math stays perfectly balanced without treating your ledger like a wealth tracker.

Multi-Currency

Support for USD, EUR, and CZK. Built-in FX estimates for transfers between different currency accounts.

Edit Single Instances

Change a single occurrence of a recurring bill, like a higher winter heating charge, without altering the underlying rule.

Advanced Scheduling

Set custom recurring intervals. Pick specific active months, use weekly frequencies, and align your bills with your actual life.

Timeline Splits

Change a recurring bill's schedule halfway through the year. The app preserves your historical data while applying the new rule only to the future.

FAQ

Your bank shows you what you've spent on in the past. It doesn't help you decide if you can afford a new bike next week or to take on a new monthly bill. Spend tells you how much you can spend in the future, helps you make decisions and time your expenses.
No. Spend is strictly manual, we don't want to snoop your financial life. Spend is also a forward-looking cash flow engine. You enter the transactions that matter, update your balance, and let the math forecast your future runway.
We don't sell your data to advertisers, and we have zero access to your bank account. Your data is stored securely in an isolated PostgreSQL database (powered by Supabase) and is locked down by Row Level Security. Only your actively authenticated session can read or edit your data.
You can absolutely use calendar months in the app. However, if you get paid on other days of the month, you can set custom pay cycles to budget for. That way, a bill due on March 5th won't surprise you if you get paid on March 8th.
Spend tracks your bottom line and makes no assumptions. If you have money in Safe to Spend this cycle, any carryover to the next period would assume you can't spend it now. It goes without saying then that your Safe to Spend is yours to spend. Once a new cycle starts, your balance at the time carries over.
Spend is built as a Progressive Web App (PWA). You don't download it from an app store. Open the site in Safari or Chrome, tap "Add to Home Screen," and it installs directly to your device alongside your native apps.
It works. Your data is cached locally on your device. You can add transactions, edit rules, and update your balance in airplane mode. The app places your edits in a background queue and silently syncs them to the database the moment your connection returns.

Start tracking.

Get Spend