Know you’re spending too fast, while there’s still time to slow down.
Most budgeting apps tell you what you spent. SpendWise compares it with the calendar, forecasts where the month will land and tells you what you can safely spend today.
No bank login. Any currency. Set up in about two minutes.
Same budget, same day, three different stories.
Three people with a €300 grocery budget, halfway through a 30-day month.
| Person | Spent by day 15 | Budget used | What SpendWise says |
|---|---|---|---|
| Alex | €150 | 50% | On Track. Right on pace. |
| Bea | €250 | 83% | At Risk. Heading for €500; keep to €3.33 a day. |
| Chen | €320 | 107% | Over Budget, with 15 days still to go. |
How it works
- 1
Set your own budget
One monthly amount, split into the categories that fit your life. Rent, groceries, the kids’ football, whatever it is.
- 2
Log what you spend
Amount, category, done. About five seconds, and you’ll see what’s left before you tap save.
- 3
Watch the pace
Each category is compared with how far through the month you are, so an early warning actually arrives early.
- 4
Adjust before it’s late
A month-end forecast and a safe amount per day tell you how much room there really is.
The details that make it useful
- Pace, not just totals
- €250 spent on groceries means one thing on the 28th and something very different on the 15th. SpendWise knows which day it is.
- Rent isn’t overspending
- Mark scheduled bills as fixed. Paying rent on the 1st won’t set off a single warning.
- A forecast you can check
- Plain arithmetic you can read on the Forecast page. It blends in your own history once you have a few months of it.
- 455 categories, or your own
- Pick from a library that runs from groceries to visa fees, or type “Daughter’s swimming” and move on.
- Honest recommendations
- “Keep grocery spending to about €5.90 a day for the next 15 days” rather than generic tips.
- Your data stays yours
- Export everything as CSV or JSON, or delete your account in one step. No bank login required.
Built for students stretching a grant, people new to a country, young professionals and families who all have the same question on the 20th of the month.
“Am I going to make it to payday?”
Start with this month.
Two minutes to set up. Your data stays yours: export or delete it any time.