Everything SpendWise does, in one place
SpendWise is built around one idea: your budget should tell you what you can spend today, not just what you spent last month. Here is the full picture, including where it deliberately stops.
Tracking what you spend and earn
The core of the app: capture transactions accurately enough that you trust the totals later.
Expense tracking
Record an expense with a title, amount, date, and category, plus an optional note and payment method. Search across your history from anywhere in the app.
Income tracking
Log income against the source it came from, so salary, freelance work, and other streams stay separate but total together.
Categories with limits
Group spending into categories you define, give any category its own budget, and watch progress against it as the month fills up.
Recurring entries
Mark rent, subscriptions, or regular pay as recurring on a daily, weekly, monthly, or yearly cycle, then filter either list down to recurring entries only.
Budgeting that reflects the day you are on
A monthly figure on its own tells you very little. SpendWise turns it into what is genuinely available today.
Daily and monthly budgets
Set a monthly allowance and SpendWise derives your daily base from it, working out days in the month correctly for February and leap years.
Carry-forward that adds up
Unspent budget from earlier days rolls into today, and overspending reduces it. The dashboard shows your base budget, carry-forward, and what is left today separately, so the number is never a mystery.
A clean slate each month
Months are independent. A new month starts from its own configured budget instead of inheriting the previous month's balance, and you can look back at any earlier month.
Reports and charts
The same records, arranged so a pattern is visible instead of inferred.
Monthly and category reports
Break spending down by month and by category, see totals against budgets, and identify your largest and smallest entries so outliers stand out.
Trend over time
Follow how income and spending have moved across periods rather than judging a single month in isolation.
Getting data in and out
Your records should never be trapped in one tool. They come in from a file, and they leave as a file.
CSV import
Bring in a .csv of past transactions. Columns are title, amount, expenseDate, and category, matched by category name against categories you already have, with a downloadable sample file to follow.
CSV and JSON export
Export expenses and income in either format. Exports are generated in your browser and downloaded straight to your device, which also makes them a convenient backup.
Files stay on your device
Import and export are handled in the browser. The spreadsheet you import is never uploaded, and an export never passes through the server on its way to you.
Account, alerts, and comfort
Small things that make the app pleasant to use daily and straightforward to keep secure.
Email notifications you control
Eleven notification types, including budget warnings, overspending alerts, large-expense flags, weekly summaries, and reminders for recurring entries. Switch each one on or off and tune the thresholds.
Verified accounts and recovery
Passwords are hashed with bcrypt, verification and reset tokens are stored hashed with their own expiry, and repeated failed sign-ins trigger a temporary lockout.
Display that suits you
Choose your currency, pick from seven date formats, set rows per page, and switch between light and dark themes. Preferences are remembered.
Works on any screen
The layout adapts from phone to desktop, so checking a figure on the way out of a shop is as easy as sitting at a desk.
What SpendWise does not do
Being clear about the edges is as useful as listing the features. There are no paid plans, no bank connections, no advertising or analytics, and no AI analysis of your finances. Everything you see is calculated from records you entered.