Spendalyst watches recurring charges, price increases, renewals, and unusual changes — and surfaces the changes that matter. No budget to build.
No categories to set up. No system to learn. Spendalyst reads your history and reports what it finds.
14 days free. No card required. Takes 30 seconds.
Connect through Plaid's network of 12,000+ financial institutions. Read-only.
After your bank’s transactions arrive, Spendalyst checks the available history. Findings appear when there’s enough evidence.
From connecting to your first findings — with nothing to maintain after setup.
What happened, the charges it came from, and why it may matter.
One card each Monday summing up what actually changed — with the merchants, dates and amounts it came from. Not a dashboard to decode. Not a budget warning.
Built for people who want to understand their money — not manage a system around it.
Transactions categorised automatically and kept up to date. Totals, categories and every transaction, always current.
A price that went up without telling you. A renewal landing this week. A charge that started repeating. Spendalyst checks every day and only speaks up when something moved.
Link via Plaid and never touch a spreadsheet again. Transactions import automatically. Connect through Plaid's network of 12,000+ financial institutions.
Runs in any browser — Android, iPhone, laptop. Install it to your home screen in a tap, with nothing to download from an app store.
No categories to file, no budget to keep accurate, no weekly data entry. Connect once and Spendalyst does the watching.
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.
These are the things worth checking before you pick one — including Spendalyst.
| When comparing money apps, consider | Spendalyst ✦ |
|---|---|
| Whether budgeting is required | Never required |
| How bank data is connected | Read-only, through Plaid |
| What is monitored automatically | Recurring charges, price changes, renewals, duplicates |
| How findings are explained | With the merchant, date and amounts behind them |
| Privacy and data controls | Disconnect or delete your data anytime |
| Pricing | $10.99/month or $89.99/year |
| Export options | CSV and JSON |
| Cancellation flexibility | Anytime, from Plan and billing |
Less than a monthly coffee run. No tricks. 14 days free · No card required.
No card required · Cancel anytime
No card required · Cancel anytime
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.
14 days free · No card required. Nothing is charged unless you choose a plan. You can cancel anytime from Plan and billing.
Spendalyst reads your transactions so it can tell you what changed. That is the whole setup.
Finding recurring charges, price changes and renewals needs a connected account — that is the part that reads your history.
The questions every new user asks — answered honestly.
Connect an account and Spendalyst reads your history, lists the charges that repeat, and tells you when one changes.
Practical guides for people who want to spend smarter — without budgeting stress.