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 days free · No card required · Your account pauses unless you choose a plan
Here's how setup and your first week look.
From sign-up to the first findings your own transaction history can support. Nothing to configure along the way.
Create your account
Free for 14 days. No credit card required.
Connect your bank
Link via Plaid in under 2 minutes. Read-only access.
Spendalyst reads the available history
Spending totals and categories can appear once transactions arrive. Recurring findings need enough repeated charges.
A first insight may arrive
If there is enough useful data, a separate email shares one supported discovery. Quiet accounts are not padded with guesses.
Your Monday card
The first card arrives on the next eligible Monday after enough data is available.
14 days free · No card · Your account pauses unless you choose a plan
Our AI focuses on clarity, not shame.
What happened, the charges it came from, and why it may matter.
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.
"Crunch Fitness went from $11.99 to $17.99."
It charged $11.99 every month since January, then $17.99 on 30 April. Nothing announced the change.
At the new price that is about $72 more a year for the same thing.
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.
Told when something changes
A price that went up without telling you. A renewal landing this week. A charge that started repeating.
Subscription watchlist
Every recurring charge we detect on your accounts, with price rises and renewals flagged before they hit.
Connect once. Updates itself.
Link through Plaid and let Spendalyst check the transactions available from your connected accounts.
Works on every device
Use the Spendalyst web app from a phone, tablet, or computer.
Nothing to maintain
No categories to file and no budget to keep accurate. Connect once and Spendalyst does the watching.
Choose the approach you will actually use.
When comparing money apps, check the upkeep, bank connection, recurring-charge tools, exports, and total annual cost. Here is what Spendalyst offers today.
| Consideration | Spendalyst |
|---|---|
| Budget to maintain | No |
| Recurring-charge watchlist | Included |
| Price-change alerts | Included |
| Eligible Monday card | Included when enough data is available |
| Manual entry and CSV import | Included |
| Read-only bank connection | Optional, through Plaid |
| Monthly plan | $10.99/month |
| Yearly plan | $89.99/year |
| Free trial | 14 days, no card required |
Simple, honest, affordable.
Less than a monthly coffee run. No tricks. Start with a 14-day free trial — no credit card required.
Monthly
- A Monday card summing up what changed
- Findings, Watchlist, Story and Spending
- Bank connection via Plaid
- Subscription watchlist with price-rise alerts
- CSV export
No card required · Pauses unless you choose a plan
Annual
About $7.50/month — 32% less than twelve monthly payments
- The same features as Monthly
- One payment for a full year
- $41.89 less than twelve monthly payments
Free for 14 days
No credit card is required for the trial. At the end, your account pauses unless you choose a plan.
Your bank login is entered in Plaid's window, not Spendalyst.
We can never move your money.
Read-only access
We can only view transactions. No ability to move money.
Read-only bank access
Data encrypted using the same standards banks use.
Never sold
We don't sell your personal financial data. Necessary service providers process data as described in our Privacy Policy.
Opt-out anytime
Disconnect your accounts whenever you want.
Frequently asked questions
Ready to see where your money actually goes?
Import transactions to see spending summaries. Findings appear when the history has enough evidence.
Bank-grade encryption · Plaid-powered · Cancel anytime · Read-only access