Spense - Envelope Budgeting That Actually Works
Every dollar deserves a purpose. Spense uses zero-sum budgeting—give every dollar a job until you have $0 left to assign. No money sitting idle, no guessing what's available.

Free to Start. Powerful When You Need More.
Spense is completely free for manual budgeters. Create accounts, add transactions, and manage your envelopes without incurring any costs. When you're ready to automate, start a 14-day free trial to sync your bank accounts automatically.
- Free Forever: Manual accounts, manual transactions, full envelope budgeting
- Plus ($4.99/month or $49.99/year): Automatic bank sync via Plaid with 14-day free trial

How Envelope Budgeting Works
1. Create envelopes – Set up categories for groceries, dining, rent, savings, and more
2. Stuff your envelopes – Assign your paycheck across envelopes until your "To be budgeted" hits $0
3. Spend confidently – Check your envelope before checkout. No guilt, no guessing—spend what you've already set aside
4. Get paid, repeat – Record your income and stuff your envelopes again

Why Spense is Different
- Zero-sum budgeting – Every dollar gets a job. Budget until $0 remains unassigned.
- No spreadsheets, no math – We've taken this 100+ year old proven technique and made it effortless
- Review every transaction – See all your transactions, categorize them, and know exactly where your money went
- Manual or automatic – Add transactions yourself for free, or sync your bank automatically
- Auto Mode available – Like Copilot: transactions categorize themselves as they arrive. Perfect for reactive budgeters who want visibility without the work
- Smart credit card tracking – See spending per card and track payments automatically
- YNAB import – Switching? Bring your categories and history with you

Switching from YNAB or Copilot?
- From YNAB: Import your existing data. Same zero-sum method, simpler app, lower cost.
- From Copilot: Use Auto Mode for the same hands-off experience at a fraction of the price.

Key Features
- Real-time envelope balances
- Transaction review and categorization
- 14-day free trial for bank sync
- Flexible reallocation between envelopes
- Bank-level security with biometric authentication
- Works with any pay schedule

Perfect For
- YNAB users looking for a simpler, more affordable alternative
- Copilot users who want auto-categorization at lower cost
- Anyone who wants to budget without connecting their bank account
- People are tired of tracking overspending after it happens

Stop reacting to your spending.
Start being proactive with Spense.
Bank sync requires a Plus subscription (14-day free trial included). Plaid handles all connections with read-only access.

Download Spense today and give every dollar a purpose!