SpendWise · Know before it's gone

Setup

Your month starts when you get paid.

Not every month runs 1st to 31st. Pick your currency and the day your month resets, and every budget, bill and projection lines up with your real pay cycle.

Account setup. Preferred currency and month start, set once in your profile.
Secure sign-in. Password reset and session management across phone and web.
Profile + reminders. Update your details, choose email or in-app nudges, and how early they arrive.
Straight talk. A clear notice that budgeting insights are informational, not financial advice.

9:41●●●

Step 2 of 3

When does your month start?

We’ll reset envelopes on this day.

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Currency

AUD · Australian dollar▾

Good to knowSpendWise shows estimates from the numbers you enter. It’s a planning tool, not financial advice.

Profile

MK

Maya K.AUD · month starts 15th

Reminders

Bill due · 3 days before

Envelope over budget

Weekly email summary

Signed in

iPhone 16 · this deviceActive

Chrome · MacBook2h ago

Bills

Bills, before they bite.

Rent, power, phone and every subscription sit on a cash-flow calendar next to your income, so you see the squeeze days coming weeks ahead.

R

RentMonthly · 3rd · reminder 3 days before

−1,650.00Paid

C

Car insuranceMonthly · 18th · email + in-app

−142.00In 2 days

N

StreamingMonthly · 12th · subscription

−32.00Paid

app.spendwise · Cash-flow calendar

October

Safe until Nov 01

Spending

Every dollar, written down.

Log an expense, income or transfer in a few taps, with a date and a note. Real life is messy, so SpendWise handles the messy bits too.

Manual transactions. Expenses, income and transfers between accounts, each with date and notes.
Split one purchase. A single receipt shared across groceries, household and gifts.
Refunds that find home. Money back is linked to the original expense, so the category evens out.

9:41Oct 06

New transaction

ExpenseIncomeTransfer

$186.40

Merchant

Costco Auburn

Date

Tue, 06 Oct 2026▾

Note

Monthly bulk shop + Sam’s birthday gift

Drop in a CSV. Keep only what’s new.

Upload your bank’s export, map its columns once, and SpendWise flags anything it has already seen before a single row is saved. Categories fill themselves in from merchants you’ve sorted before.

Transaction search

woolworths

Amount > $50Oct 2026Groceries+ Filter

4 results · $281.60

Change history · Woolworths, Oct 9

Amount corrected ~~$64.20~~ → $46.20You · Oct 12, 8:14pm

Category Shopping → GroceriesRule · merchant match

Imported from anz-oct.csvOct 12, 8:02pm

app.spendwise · Import · anz-oct.csv

1 · Upload2 · Map columns3 · Review

Column in file	Sample	Maps to
Posting Date	09/10/2026	Date ▾
Description	WOOLWORTHS 1124	Merchant ▾
Txn Amt	-46.20	Amount ▾

Review 38 rows

2 possible duplicates

Date	Merchant	Category	Amount
Oct 09	Woolworths	Groceries · rule	−46.20
Oct 09	Woolworths Seen	Groceries · rule	−46.20
Oct 10	Opal Travel	Transport · rule	−18.40
Oct 12	Streaming Seen	Subscriptions · rule	−32.00
Oct 11	Bar Rosa	Suggest: Eating out	−54.00

Budgets

Every envelope, at a glance.

Set a monthly limit for each category. SpendWise shows what’s left in every envelope right now, and the moment one tips over, it turns pink.

Monthly budgets. Planned limits by category and period, reset on your month start.
Envelope balances. Remaining and over-budget at a glance, on phone and web.
Your categories. Create, rename and nest categories and subcategories to match how you actually spend.

Left across envelopes

$1,104

1 over

Groceries $600$212 left

Eating out $180$38 left

Transport $160$96 left

Household $120$58 left

Shopping $250$44 over

Share the budget, not your whole life.

Invite a partner or housemate to the budgets you run together. They see rent and groceries. Your personal envelopes stay yours.

Household · Bondi flat

MK

Maya K.Owner

JT

Jordan T.Joined Sep 02

Member

?

sam@…Invite sent Oct 20

Pending

What Jordan can see

Shared activity

JTGroceries · Harris Farm−38.90

MKPower bill paid−186.00

JTGroceries · Aldi−72.15

MKRent paid−1,650.00

Goals

Watch a goal get closer.

Set a target, a deadline and what you’ll put in each month. SpendWise projects the date you’ll get there from your own recurring contributions, and moves it the moment you change the plan.

Emergency fund

$7,200 of $10,000 · Mar 2027

New laptop

$700 of $2,000 · Aug 2027

Savings goal

Japan, spring 2027

On track

$1,250 savedTarget $3,000

Monthly contribution$250

$100$600

ProjectedMay 20277 months

Insights

The month, in hindsight.

Compare categories across any months you pick, see where income came from and how it moved, and export the lot as a clean summary.

Spending trends · Aug–Oct

AugSepOct

Income · October

$4,880

Salary$4,200 ±0%

Freelance design$560 ▲ 40%

Interest$120 ▼ 4%

CSV

october-transactions38 rows · categorised

PDF

october-summaryMonthly summary

Privacy

Your data. Your call.

Take a full copy of everything whenever you like. Leave whenever you like. Both are a few taps, with a clear confirmation step and no dark patterns.

Privacy controls

Share anonymous usage data

Marketing emails

Bill reminders by email

ZIP

Export my dataRequested Oct 31 · ready in your inbox

Delete account

1Request deletionOct 31, 9:02pm

2Offer a data export firstDownloaded

3ConfirmType DELETE to finish

This removes your budgets, goals and history for good.

DELE|

Financial disclaimer

Insight, not advice.

SpendWise turns the numbers you enter into projections and reminders. It doesn’t give financial advice, and it says so in the app, right where projections appear.

SpendWiseKnow before it’s gone

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