Spendalyst shows exactly where your money went — in plain English. No budget to build, no system to maintain, no guilt included.
No categories to set up. No system to learn. From signup to your first insight in under 5 minutes.
Free for 14 days. No credit card required. Takes 30 seconds.
Works with Chase, Wells Fargo, and 12,000+ other banks. Or skip this and add expenses manually.
Your first insight appears immediately. Every Monday, a new coaching card arrives.
From sign-up to first insight in under a week — with zero effort after Day 1.
Every insight comes with a clear explanation — never a judgment.
Every week you get a single coaching message with specific numbers from your actual spending — written in plain English. Not a dashboard full of data. Not a budget warning. Just one honest insight.
Total spending, daily average, category breakdown, 6-month trend — all in one clean view. Export any time. No spreadsheet required.
Built for people who want to understand their money — not manage a system around it.
Spending automatically categorized, up to date, zero maintenance required. Total spent, daily average, top category — always clear.
Every Monday, one specific insight. A dollar figure you didn't know. A subscription leaking cash. One honest thing to act on.
A single 0–100 number tracking Spending Consistency, Buffer Days, Subscription Efficiency, and Income Stability. Watch it improve.
Link via Plaid and never touch a spreadsheet again. Transactions import automatically. Works with 12,000+ banks including Chase.
Full web app, iOS, and Android. Unlike Copilot (Apple-only), Spendalyst is everywhere your money is. Syncs instantly across all devices.
Manual mode lets you add what you want. Full coaching, reports, and Money Health Score still work. You're always in control.
Every week Spendalyst calculates a simple 0–100 score based on your actual spending behavior — not your income, not your net worth, just your habits.
That is the entire experience. No daily habit to build. No dashboard to decode. Spendalyst is the only money app designed around your real behavior — not an idealized version of it.
From people who tried every other app and quit.
"Connected my Chase account and within 5 minutes saw three subscriptions I forgot about. money I'm keeping now. Never had a finance app show me something useful that fast."
"Tried Mint, YNAB, and Monarch. Quit all three. Spendalyst is different — I don't dread opening it. Monday morning, I get my card. Simple. That's all I needed."
"The weekly coach card showed me exactly where my money was going. It didn't shame me. It just told me clearly. That's all I needed to actually change something."
Move the slider to match your monthly spending.
* Illustrative estimates based on typical spending patterns. Individual results will vary.
Every other app was built for people already engaged with their finances. Spendalyst was built for everyone else.
| Feature | YNAB / Monarch | Copilot | Rocket Money | Spendalyst ✦ |
|---|---|---|---|---|
| No budget required | ✗ | Partial | ✗ | ✓ Always |
| Weekly coaching card | ✗ | ✗ | ✗ | ✓ Every Monday |
| Judgment-free tone | ✗ | ✗ | ✗ | ✓ Core value |
| Works on Android | ✓ Yes | ✗ Apple only | ✓ Yes | ✓ Yes |
| Money Health Score | ✗ | ✗ | ✗ | ✓ Unique feature |
| Built for "budget avoiders" | ✗ | ✗ | ✗ | ✓ Core audience |
| Setup time | 30–60 min | 15 min | 10 min | Under 5 min |
| Price / month | $14.99 | $13.00 | $6–$12 | $10.99 |
| Free trial | 34 / 7 days | 60 days | Freemium | 14 days |
Less than a monthly coffee run. No tricks. Start with a 14-day free trial — no credit card required.
No card required · Cancel in one click
Trial end date shown from day one
Spendalyst connects via Plaid — the same technology trusted by Venmo, Robinhood, and Coinbase. Your credentials are never stored on our servers. Ever.
The same secure bank connection technology trusted by Venmo, Robinhood, and Coinbase.
Cancel during your 14-day free trial and you will never be charged. No questions asked. No forms to fill. One click cancellation from your account settings.
Spendalyst works without bank access — but connecting unlocks everything.
Don't want to connect your bank? No problem — start with manual mode and connect later anytime.
The questions every new user asks — answered honestly.
Find out where your money actually goes this week. Most people find their first insight within 5 minutes of connecting.
Practical guides for people who want to spend smarter — without budgeting stress.