Plans and pricing
How much does Spendly cost?
Spendly is a personal finance app with three plans: Free, Pro at $49 a year, and Premium at $99 a year. Free is a real plan rather than a trial — unlimited accounts and transactions, all 49 currencies, category budgets and monthly reports. Pro adds the planning tools; Premium adds bank feeds. Full breakdown on the pricing page.
Is the Free plan time-limited?
No. No countdown, no card required.
Which countries do bank connections cover?
The US, EU and UK, on Premium. Major banks in each are supported.
What happens to my data if I downgrade or cancel?
It stays, and CSV export works on every plan including Free. You are never locked in on any tier.
Using it
How many currencies?
- Each account holds one currency; everything converts into your base currency at daily rates. See multi-currency support.
How do transactions get into Spendly?
Four ways, and most people mix them:
- Connect your bank — available in the US, EU and UK on Premium.
- Upload a statement, CSV or screenshot — Spendly reads the transactions out of it.
- Import through an AI assistant — Spendly has an MCP integration, so you can hand Claude a statement and it writes the transactions in for you, in bulk.
- Add them by hand — a few seconds each, and still the quickest route for cash.
How it works walks through setup.
How long does setup take?
About ten minutes: pick a base currency, add accounts with their balances, tidy the categories.
Does it work offline?
Yes. It’s a PWA with an offline queue — log an expense on a plane and it syncs when you reconnect.
Data
Can I export?
Yes, from Settings. Current scope: accounts, budgets, categories, investments, transactions. Savings goals, sinking funds, envelopes, commitments and debts aren’t in the automated export yet — ask and we’ll extract them.
Can I delete my account?
Yes, from Settings. It revokes every session immediately. See the honest note about erasure versus deletion in the privacy policy.
Do you sell my data?
No. See privacy for what we collect and which providers process it.
Is Spendly right for me?
It’s built for you if your money spans more than one currency — you’re an expat, you earn abroad, you have accounts or property in another country, or you travel enough that a single-currency budget stops making sense.
It’s also a good fit if you want planning tools rather than just a record: envelopes, sinking funds, debt payoff and a forward view of the next twelve months.
And it scales with you. Start with budgets and reports, add envelopes and sinking funds when you want tighter control, and let the coach and AI drafting take over the parts you’d rather not do by hand.
Still stuck?
[email protected] — or see contact for what to expect.