SpendSpace — Know Your Money Story
Finally see where every dollar goes. SpendSpace is a personal finance app that lets you create fully custom expense categories, train your rules once, and auto-categorize every transaction forever — no more generic presets, no rigid budgeting frameworks.
The Best Personal Finance App | Mint & YNAB Alternative
SpendSpace puts you in full control of your budget. Unlike Mint or YNAB, you define the categories that match your actual life — "Date Nights," "Side Hustle Expenses," "Dog Stuff" — then let SpendSpace handle the rest. Connect your bank accounts directly via Teller API or upload CSV files from any bank. SpendSpace automatically categorizes every past and future transaction using the keyword rules you set.
Why SpendSpace?
Your Categories, Your Rules
Create expense categories that match YOUR life. Not generic labels — categories like "Date Nights," "Side Hustle Expenses," or "Dog Stuff." Your finances, organized your way, not some app designer's way.
Train Once, Auto-Categorize Forever
Assign a keyword to a category once. Every past and future transaction with that keyword is automatically categorized. No ongoing manual sorting, no repetitive tagging — just results.
See Patterns, Make Decisions
Discover where your money actually goes. Compare spending month over month, spot trends before they become problems, and make informed financial decisions. AI-powered insights surface patterns and flag unusual charges automatically.
Bank-Level Security
SpendSpace uses bank-level encryption and Google Cloud KMS to protect sensitive data. All financial information is encrypted in transit and at rest. Direct bank connections are powered by Teller API for secure, read-only access to thousands of financial institutions.
Features
- Custom expense categories tailored to your life
- Keyword-based automatic transaction categorization
- Real-time bank connections via Teller API
- CSV import from any bank or financial institution
- AI-powered financial insights and spending analysis
- Investment portfolio tracking
- Budget management with alerts
- Monthly spending trends and scenario simulator
Pricing
SpendSpace offers two affordable plans with a free 3-month trial on both:
- CSV Only Plan — $2.99/month: Upload statements from any bank and get full budgeting and categorization features.
- CSV + Banking Plan — $4.99/month: Everything in CSV Only, plus real-time bank connections and automatic transaction syncing.
Annual plans are available at significant savings. Cancel anytime, no credit card required to start.
Frequently Asked Questions
How does SpendSpace categorize transactions automatically?
SpendSpace uses AI-powered keyword matching. When you assign a keyword to a category — for example, "STARBUCKS" to "Coffee Shops" — all past and future transactions containing that keyword are automatically categorized. You train it once and it works forever.
Is my financial data secure?
Yes. SpendSpace uses bank-level encryption, Google Cloud KMS for sensitive data storage, and follows industry-standard security practices. Your data is encrypted both in transit and at rest. Bank connections are read-only — SpendSpace can never move or access funds.
Can I connect my bank accounts?
Yes. SpendSpace integrates with Teller API to securely connect to thousands of financial institutions for automatic transaction syncing. You can also manually upload CSV exports from any bank if you prefer not to connect directly.
How much does SpendSpace cost?
SpendSpace starts at $2.99/month for the CSV plan and $4.99/month for the plan with live bank connections. Both include a free 3-month trial. Annual billing is available with significant savings.
How is SpendSpace different from Mint or YNAB?
Unlike Mint (which shut down) or YNAB (which uses a rigid envelope budgeting method), SpendSpace lets you build your own category system from scratch. You decide what counts as "groceries," what qualifies as a business expense, and how to split mixed transactions — full control, your way.
Start Your Free 3-Month Trial
Join users who have taken control of their finances with SpendSpace. No credit card required to start. Cancel anytime.
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