Plan Right.Spend Bright.

A smarter way to budget, stay on track, and spend with confidence.

Get MiSpend See how it works

Coming soon to iOS and Android.

MiSpend's Home screen showing $1,280.00 safe to spend for the rest of October, today's allowance under Daily pace, and the trip in progress.

The problem

Ever wonder where your money went?

But more importantly — how much can you safely spend?

Bank balance

$4,250

≠

Already spoken for

−$2,970

Bills, budgets and goals

Safe to spend

$1,280

Your balance doesn't tell the whole story. Bills still to come, your budgets and your savings goals all change what you can actually spend.

Spend what's safe. Not what's left.

How it works

From budget to confidence.

01Plan
Set your budget for the month.
Monthly limits for the things that matter, inside one overall budget — and your month can start on payday.
02Track
Log every spend in three taps.
The keypad comes first and does the maths — type 12.50 + 3. Your last account and today are already filled in. Undo is one tap.
03Know
See what's safe to spend.
MiSpend turns your budget, your bills and your goals into one number you can act on, recomputed after every entry.

Safe to spend

Know what you can spend.

Then daily pace splits it over the days left — overspend today, and tomorrow adjusts.

Turn your entire budget into one simple number.

Your money has a plan. MiSpend works it out from:

What's in your spending accounts
Bills and repeats still due this month
What your goals set aside
What your budgets still have to spend, rollover included

Safe to spend

$1,280.00

Budgeting

A budget that works the way you do.

Monthly budgets. Rollover. Goals. Trips and events.

Monthly budgets

Set spending limits for the things that matter. A nudge comes at 80%.

Food$320 / $500

Transport$180 / $250

Shopping$120 / $200

Rollover

Let unused budget carry into next month when you need it.

+$120 carried

from last month

Goals

Put money aside for what you're planning next, with the pace to get there.

Wedding72%

Trips & events

Give a holiday, a wedding or a weekend away its own budget, in its own currency, split into envelopes.

Japan 2027$2,400 / $4,000

Trends over six months: this month's spending against the monthly average, a bar for each month, and where it went by category.

Spending intelligence

Don't just track your spending. Understand it.

Trends, categories and a heads-up when something looks unusual — all worked out on your phone.

Spending trends

Every month side by side, over any range.

Unusual spending

You spent 42% more on dining this week.

Where it went

Food is 18% of your spending this month.

Features

Everything you need to stay on top of your money.

Track
Every spend, in a few taps.
- Expenses & income
- Accounts
- Transfers
- Multi-currency
Plan
Money with a job to do.
- Safe to spend
- Budgets & rollover
- Recurring bills
- Trips & events
Understand
See where it goes.
- Spending trends
- Spending calendar
- Unusual spending
- Search & filters
Keep it safe
Your data, your device.
- Face ID & Touch ID lock
- Backup & restore
- Excel reports
- Categories & labels

At home on any screen.

Upright or on its side, phone, tablet or a wide window — MiSpend rearranges itself to use the space, with a side rail and two columns when there's room.

Phone, upright
Phone, on its side
Tablet, upright
Tablet, on its side
Wide windows

MiSpend's Home screen (Phone, upright): safe to spend, the trip in progress and daily pace, laid out for the space.

Privacy

Your money is yours.

MiSpend works offline and keeps your financial data on your device, encrypted — no account, no bank login, no constant connection.

Offline-first
Private
Biometric lock

Read the privacy policy

Never leaves your phone

Amounts
Categories
Notes
Receipts
Accounts

Leaves, without your records

Currency codes, to fetch exchange rates
Ad requests — only without Remove ads, and with your consent choices
Your purchase, under an anonymous ID
Crash reports, stripped of anything you typed

Pricing

Free. Remove ads once, if you like.

Free

Every feature
Backup and restore
A banner and a few well-placed ads
Excel exports after a short video

Remove ads

$4.99 once

No ads, anywhere
Excel exports with no video — even offline

Price in the US; your App Store shows your local price. No subscription.

Questions

Do I need an account?

No. There's no sign-up and no login. Open the app and add your first entry.

Is my data uploaded anywhere?

No. Your amounts, categories, notes, receipts and accounts stay on your phone, encrypted. A few things do leave — currency codes for exchange rates, ad requests, your purchase and crash reports — and none of them carry your records. The privacy section above lists them.

Does it connect to my bank?

No. You log entries yourself — it takes three taps — so there's no bank login to hand over.

What happens when I change phones?

Back up everything, photos included, to one file in Settings → Your data, and restore it on the new phone. It's free and never shows an ad.

Does it work offline?

Yes — everything works without a connection except buying Remove ads, ads themselves, and the Excel export that comes after a short video. Exchange rates refresh when you're back online.

What does Remove ads do, and is it a subscription?

It's a one-time purchase of $4.99 in the US (your App Store shows your local price) that removes every ad. It isn't a subscription. On a new device, tap Restore purchases in Settings → Purchases.

Which languages and currencies?

The app speaks 17 languages, which you can pick in Settings. Every account has its own currency, and you can enter a spend in any currency.

Is there an Android version?

It's coming. MiSpend arrives on iOS first, and Android follows soon after.