How much do I have left each month?
Your income, minus rent, bills, subscriptions and what you set aside. At the bottom of the table: what you have left, each month.
See My monthYour budget like a spreadsheet, on iPhone and on the web
Your budget, one step ahead.
Enter your salary, bills and subscriptions once. Spendless tells you what you have left each month, and until your next payday, line by line. No need to log every expense.
No bank connection. Free to start.
spendless.io/app
Tuesday 3 November
You have €818.51 left until your payday on 28 November.
That's €32.74 a day for 25 days.
Based on your balance of 1 November. Update my balance
DateLineAmountBalance after
1 NovOn your accountentered balance€2,240.00
2 NovSavings accountpast-€150.00€2,090.00
5 NovRent-€750.00€1,340.00
8 NovElectricity-€62.00€1,278.00
9 NovBirthday giftplanned-€60.00€1,218.00
10 NovInternet-€29.99€1,188.01
12 NovPhone plan-€9.99€1,178.02
15 NovNetflix-€13.49€1,164.53
18 NovGym-€34.90€1,129.63
20 NovSpotify-€11.12€1,118.51
To keep on your account-€300.00€818.51
You have left€818.51
Tuesday 3 November
You have €818.51 left until your payday on 28 November.
That's €32.74 a day for 25 days.
On your account
1 Nov · entered balance
Savings account
2 Nov · past
-€150.00€2,090.00
Rent
5 Nov
-€750.00€1,340.00
Electricity
8 Nov
-€62.00€1,278.00
Birthday gift
9 Nov · planned
-€60.00€1,218.00
Internet
10 Nov
-€29.99€1,188.01
Phone plan
12 Nov
-€9.99€1,178.02
Netflix
15 Nov
-€13.49€1,164.53
Gym
18 Nov
-€34.90€1,129.63
Spotify
20 Nov
-€11.12€1,118.51
Why Spendless
Every number is explained by lines.
Budgeting apps ask you to log every coffee. Spendless starts from what comes back every month, like a spreadsheet, and shows you what's left.
And until payday?
Your balance, then everything still to go out before payday, line by line, with the balance after each one. At the bottom: what you have left, and how much per day.
See Until paydayCan I afford it?
Add a planned purchase on its date: it counts right away in what you have left. A wish? Give it 30 days.
See planned purchases01Product
Fill it in once. Update your balance whenever you like.
No expenses to log, no clearing, no categories to watch. What's left until payday is for everyday life: how you spend it is up to you.
Every line comes back on its own, from weekly to yearly. My month sorts them into income, bills, subscriptions and savings, brings each one to a monthly amount and tells you what you have left. Then the next months, with yearly bills on their dates.
spendless.io/app/plan
Each month, you have €993.51 left.
Your income, minus your bills, subscriptions and what you set aside, on average over a month.
Income
Salary
Bills
Rent
Electricity
Car insurance
€540.00 · Every year
Per month
-€857.00Subscriptions
Gym
Internet
Netflix
Spotify
Phone plan
Per month
-€99.49Set aside
Savings account
You have left each month
€993.51The next months
December
Including Christmas gifts -€200.00
January
Including Car insurance -€540.00
February
02Features
Lines, and what's left.
On iPhone and on the web, with the same account.
Add a planned purchase
WhatBirthday gift
Amount60.00 €
When9 Nov
It counts right away: you have €818.51 left until payday.
Planned purchases
A gift, a repair, a weekend away: note it with its date, and it counts right away in what you have left until payday.
Gym
This change only applies this time. To change it every time, edit the schedule.
Amount34.90 €
Date18 Nov
Edit scheduleSkip this time
Just this once
Electricity costs more this month, the gym is paused in August: change a line just this once, or skip it, without touching the rest.
€99.49 a month, that's €1,193.88 a year.
Gym
Internet
Netflix
Spotify
Phone plan
Subscriptions
Kept apart in My month, with what they cost you over the year. Time to sort them out.
December
€838.51Including Christmas gifts -€200.00
January
€498.51Including Car insurance -€540.00
February
€1,038.51The next months
What you really have left each month, with yearly bills and planned purchases on their dates. Three months, twelve with Premium.
Holidays in Lisbon
€300.00 of €1,200.00€150.00 per month · 1 July
Car insurance
€160.00 of €480.00€80.00 per month · 15 March
The money set aside stays in your account, but it's reserved.
Goals
Holidays, Christmas, car insurance: Spendless sets money aside every month, in My month, and keeps it for the big day.
You kept €430.00 by letting go of your wishes.
Headphones
12 more days to think it over.
Fits safely from 28 November.
Road bike
Fits safely from 28 December.
WishesOn the web
Want something? Give it 30 days. Spendless tells you when it fits safely; if the wish holds, it becomes a planned purchase.
And also
- Several accounts: checking, savings, cash
- An amount to keep on the account
- Yearly bills you won't forget
- A reminder to update your balance
- Overdraft alerts
- Weekly check-in, on the day you choose
- Guided setup in five minutes
- Export your data
- Light or dark theme
03Your data
No bank connection. By choice.
Spendless never has access to your bank. You enter your lines and your balance yourself: nobody reads your statements.
No access to your bank
No bank credentials to hand over, no middleman between you and your money.
Your labels, encrypted
The names and notes of your accounts, schedules and transactions are encrypted on our servers.
Your data is yours
Download it or delete your account whenever you like, from the settings.
04Pricing
Free to start. Premium to see further.
Both tables are free. Premium looks a year ahead, lifts the limits and adds alerts.
Free
€0forever
- 1 account
- My month and Until payday
- The next 3 months
- Subscriptions and yearly bills
- Planned purchases and wishes
- 1 active goal
Premium
Monthly or yearlycancel anytime
Everything in Free, plus:
- Unlimited accounts: savings, joint account, cash…
- The next 12 months
- Unlimited goals
- Overdraft alerts
- Weekly check-in
Premium is bought in the iPhone app and works on the web too.
Get started05FAQ
Your questions, our answers.
Can't find yours? Write to us, we'll get back to you quickly.
Ask a questionDo I need to connect my bank?
No, and it will never be necessary. You enter your lines and your balance, Spendless does the math.
Do I have to log every expense?
No. You enter what comes back every month once, then your balance whenever you like. What's left until payday is for everyday life: groceries, fuel, going out. Only note a big purchase, so it counts ahead of time.
How is it different from a budgeting app?
A budgeting app sorts what you've already spent, category by category. Spendless works like a spreadsheet: what comes in, what goes out, and what's left, line by line. Every number is explained by lines you can see.
What happens between two balance updates?
What you have left doesn't move on its own: Spendless doesn't guess your everyday spending. It says which balance it counts from, and reminds you to update it every week and on payday.
Can I use Spendless on a computer?
Yes. The web app, at spendless.io/app, uses the same account as the iPhone app. You can also sign up there directly.
What about Android?
There's no Android app for now. The web app works in your phone's browser, with the same account.
Is my data protected?
Spendless has no access to your bank. The names and notes of your accounts and transactions are encrypted, and you can download your data or delete your account at any time from the settings.
Can I share an account with someone?
Not yet. Account sharing will come in a future version.
How does Premium work?
Premium is bought in the iPhone app, monthly or yearly, and you can cancel anytime. It works on the web too, with the same account.
Get started
Your two tables, in five minutes.
The guided setup asks you four questions. At the end, you know what you have left each month, and until payday.
- 1
Your account
Its name and the balance your bank shows.
- 2
Your income
Your salary, your benefits, and when they arrive.
- 3
Your bills
Rent, energy, insurance, loans.
- 4
Your subscriptions
Internet, phone plan, streaming, gym.
Or write to uscontact@spendless.io
Choose where to start
On iPhone
The full app, with alerts and the weekly check-in.
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