SpendMe: Budget & Bill Tracker

SpendMe shows the one number that matters: how much of your money is safe to spend right now.

It starts with your cash on hand, takes out the bills you have not paid yet, and holds back a safety net that you choose. What is left is your available to spend. No spreadsheet and no guessing.

CAN I AFFORD THIS? Type in a price and get a plain answer: yes, not yet, or save a plan. SpendMe checks it against your balance, your upcoming bills, and your safety net before you buy.

ASK Add a paycheck, log an expense, or ask what a big purchase would do to your budget. Type it or say it out loud. Ask is an AI assistant that works from your own numbers.

BUDGETS Set a monthly budget, give each category a limit, and see what is left. Turn on alerts to hear about it before you go over.

PLAN2BUY Add the things you are saving for, like a trip, a laptop, or a couch. Every goal grows from the cash above your safety net, so there is nothing to move around by hand.

BILLS AND SUBSCRIPTIONS Track due dates, mark bills paid, and get reminders before they are due. SpendMe can also spot recurring subscriptions in your spending.

CREDIT CARDS Pick your bank and card to fill in the usual APR and fees, or enter your own. See how much of each limit you are using, then compare payoff plans (avalanche, snowball, or your own) to find your payoff date.

CASH FORECAST See where your balance is headed after paychecks, bills, and card payments. Free shows the next 15 days. SpendMe Pro goes out as far as 5 years.

RECEIPTS Scan a receipt to log an expense in a few taps.

YOUR DATA Sign in with Apple, Google, or email. Delete your account and your data any time from the Account tab. Connecting a bank is optional.

FREE 3 Ask messages a day Manual income, bills, and expenses Budgets and credit cards 3 Plan2Buy goals 15-day cash forecast Forest color theme

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