Earn money but still feel broke?
Spendalyst shows exactly where your money went — in plain English. No budget to build, no system to maintain, no guilt included.
14-day free trial · $10.99/month after · Cancel anytime · Bank connection via Plaid
Three steps. That's it.
No categories to set up. No system to learn. From signup to your first insight in under 5 minutes.
Create your account
Free for 14 days. No credit card required. Takes 30 seconds.
Connect your bank via Plaid
Works with Chase, Wells Fargo, and 12,000+ other banks. Or skip and add expenses manually.
See your spending picture
Your first insight appears immediately. Every Monday, a new coaching card arrives.
Here's how your first week looks.
From sign-up to first insight in under a week — with zero effort after Day 1.
Connect your bank
Link via Plaid in under 2 minutes. Or skip and add expenses manually.
AI scans your history
Spendalyst reads up to 90 days of transactions, detects subscriptions, and identifies your patterns. You do nothing.
See your full picture
Your spending breakdown, daily average, and top categories are ready. Plain English, no jargon.
First coach card arrives
One insight. One dollar impact. One encouragement. That's your entire weekly money check-in.
14 days free · No card · Cancel anytime
Our AI focuses on clarity, not shame.
Every insight comes with a clear explanation — never a judgment.
What's happening
We analyze your financial behavior and explain money patterns in simple, non-judgmental language.
Why it matters
Understand the impact of your habits with estimates and ranges — never assumptions.
One fix this week
Get 1–3 clear actions only. We never overwhelm you with endless to-dos.
"Your food spending jumped 34% this week."
You spent $312 dining Apr 26–May 2, up from $233. Six restaurant visits vs your usual three.
💡 One fix: Fixing this habit could save about $420/year
Everything you need. Nothing you don't.
Built for people who want to understand their money — not manage a system around it.
See where every dollar actually went
Spending automatically categorized, up to date, zero maintenance required.
Your weekly coaching nudge
Every Monday, one specific insight. A dollar figure you didn't know. A subscription leaking cash.
Money Health Score
A single 0–100 number tracking Spending Consistency, Buffer Days, Subscription Efficiency, and Income Stability.
Connect once. Updates itself.
Link via Plaid and never touch a spreadsheet again. Works with 12,000+ banks including Chase.
Works on every device
Full web app, iOS, and Android. Unlike Copilot (Apple-only), Spendalyst is everywhere your money is.
No bank? No problem.
Manual mode lets you add what you want. Full coaching, reports, and Money Health Score still work.
They stopped guessing. So can you.
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."
"Tried Mint, YNAB, and Monarch. Quit all three. Spendalyst is different — I don't dread opening it. Monday morning, I get my card. Simple."
"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."
Built for a different kind of person.
Every other app was built for people already engaged with their finances. Spendalyst was built for everyone else.
| Feature | YNAB / Monarch | Rocket Money | Spendalyst ✦ |
|---|---|---|---|
| No budget required | ✅ | ||
| Weekly coaching card | ✅ Every Monday | ||
| Judgment-free tone | ✅ Core value | ||
| Works on Android | ✗ Apple only | ||
| Money Health Score | ✅ Unique feature | ||
| Built for "budget avoiders" | ✅ Core audience | ||
| Setup time | 30–60 min | 15 min | Under 5 min |
| Price/month | $14.99 | Free/paid | $10.99 |
| Free trial | 34 days | 7 days | 14 days |
Simple, honest, affordable.
Less than a monthly coffee run. No tricks. Start with a 14-day free trial — no credit card required.
Monthly
- Weekly AI coach card every Monday
- Full spending reports & dashboard
- Bank connection via Plaid
- Money Health Score
- CSV export
No card required · Cancel in one click
Annual
That's $7.50/month — saves $42/year
- Everything in Monthly, plus:
- Annual spending review
- Priority support
- Early access to new features
- 6-month historical data on signup
100% Satisfaction Guarantee
Cancel during your 14-day free trial and you will never be charged. No questions asked. One click cancellation.
We use bank-level encryption and read-only access.
We can never move your money.
Read-only access
We can only view transactions. No ability to move money.
Bank-level encryption
Data encrypted using the same standards banks use.
Never sold
Your financial data stays private. We never sell or share your information.
Opt-out anytime
Disconnect your accounts whenever you want.
Frequently asked questions
Ready to see where your money actually goes?
Most people find their first insight within 5 minutes of connecting.
Bank-grade encryption · Plaid-powered · Cancel anytime · SOC 2 certified