New — free to start, no bank linking

Your daily budget,
finally made simple.

SpendMunk helps you track income, bills, pockets, and daily spending — without bank linking or overwhelming spreadsheets.

Get it on Google Play Download on the App Store

🐿️ 💰 📊

Built for calm money. No bank linking · Offline-friendly · 3-day trial

Safe to spend today

$1,181.82

Streak

1 day · $0

Pockets total

$13,000

Upcoming bill

Verizon · $99

The problem

Why other budgeting apps feel stressful.

You downloaded a budget app to relax about money. Instead you got charts, spreadsheets, and bank passwords.

🔐

Bank login required

You shouldn't have to trust a new app with your bank credentials just to plan a grocery run.

📉

Charts no one reads

Pie graphs, line graphs, heat maps — but no answer to the one question: what's safe to spend today?

🔔

Nags, not nudges

Alerts that scold you after the damage is done, instead of gently helping you stay on track.

📊

Spreadsheet syndrome

Categories inside categories inside categories. Budgeting shouldn't feel like accounting homework.

Why SpendMunk

Budgeting that finally feels human.

One honest number every morning. Real control, zero overwhelm.

The SpendMunk way

One number, every morning.

No dashboards. No password sharing. Just your safe-to-spend — backed by your income, bills, and goals.

Today's safe-to-spend

$1,181.82

12 days left in budget · on track

✦

No bank linking

You type what you earn and owe. Your credentials stay yours.

✦

Gentle nudges

Helpful reminders before you overspend — not angry alerts after.

✦

Pockets, not categories

Money lives where it lives — cash, debit, PayPal, Cash App. Plain and simple.

✦

Celebrate small wins

No-spend streaks turn discipline into a tiny daily victory.

How it works

Three steps to calm money.

Under five minutes to set up. A lifetime of clarity after.

Set your pockets

Add where your money lives — cash, debit, credit, PayPal, Cash App. Two minutes, tops.

Log income & bills

Tell SpendMunk what comes in and what's on repeat. Rent, subs, utilities — one place.

See your safe-to-spend

Every morning, one honest number. Spend under it, build streaks, watch savings grow.

Features

Built for the way you actually spend.

Simple tools that make budgeting feel effortless.

Daily safe-to-spend

One number. One source of truth.

SpendMunk does the math on your income, bills, and savings goals — then hands you a single safe-to-spend number every morning. No mental math, no guilt.

Updates daily based on actual spending
Accounts for upcoming bills and goals
Rollover when you save — grow tomorrow's budget

Safe to spend today

$1,181.82

✓ Under budget

Day 6 of 30$8,267 left this month

Pockets

Where your money actually lives.

Cash, cards, PayPal, Cash App — each is a pocket. See balances at a glance and move money between them without the spreadsheet dance.

Unlimited pockets on Premium
Visual balances across every account
Transfer between pockets in two taps

Your pockets

$13,000

PayPal

$7,500

Active

Cash App

$5,500

Active

Streaks & wins

Celebrate the $0 days.

When you spend nothing, SpendMunk throws a tiny party. No-spend streaks turn budget discipline into a daily habit you actually want to build.

Streak counter tracks consecutive $0 days
Share wins with friends (optional)
Weekly and monthly recap highlights

🎉

No spending yesterday

You spent nothing and stayed $625 under your daily budget.

Spent$0

Budget was$625

🔥 1 day streak!

Pricing

Start free. Upgrade when you're ready.

No trial card required to try the free plan. Premium unlocks everything for less than a coffee.

Free

$0/month

Everything you need to start building the habit.

✓ Daily safe-to-spend
✓ 1 pocket, 1 income source
✓ 2 recurring expenses
✓ Current-month tracking
✓ Basic reminders
— No forecasts or history
— Includes ads

Start free

Questions, answered.

Do I need to connect my bank? +

Never. SpendMunk doesn't ask for your bank login. You enter what comes in and what goes out — we keep the math simple and your credentials private.

Is it free to use? +

Yes. The free tier covers daily budget tracking, one pocket, and two recurring expenses. Premium unlocks unlimited everything and removes ads — with a 3-day free trial.

Does it work offline? +

Yes. Your data lives on your device first and syncs to the cloud when you're online. Log expenses on a plane if you want.

What's a "pocket"? +

A pocket is wherever your money lives — cash, debit, credit card, PayPal, Cash App. Track each separately so you always know your true balance.

Will my data sync across devices? +

Yes, on Premium. Cloud backup and restore are included, so switching phones or reinstalling keeps your plan safe.

Is SpendMunk on iPhone? +

Yes — SpendMunk is live on both the App Store and Google Play.

Your daily budget, finally made simple.

Why other budgeting apps feel stressful.

Bank login required

Charts no one reads

Nags, not nudges

Spreadsheet syndrome

Budgeting that finally feels human.

One number, every morning.

No bank linking

Gentle nudges

Pockets, not categories

Celebrate small wins

Three steps to calm money.

Set your pockets

Log income & bills

See your safe-to-spend

Built for the way you actually spend.

One number. One source of truth.

Where your money actually lives.

Celebrate the $0 days.

No spending yesterday

Start free. Upgrade when you're ready.

Questions, answered.

Spend with a clear pace.

Your daily budget,
finally made simple.