Tool profile
Spendee: cost, fit and limits
Spendee is a budgeting and expense tracking app made by SPENDEE a.s. for individuals that offers a free Basic tier and paid Plus and Premium tiers with bank sync, unlimited budgets and shared wallets for tracking spending.
What to know first
Spendee Basic is free with one cash wallet and one budget. Plus is $1.99 per month or $14.99 per year, and Premium is $5.99 per month or $35.99 per year. All plans have a 7 day trial, and the vendor says prices may differ by country. The pricing page calls its categorization an auto-categorization engine and never uses the word AI.
Spendee at a glance
| Maker | SPENDEE a.s., Not stated on the vendor pages |
|---|---|
| Free plan | Yes |
| Entry price | Free (Spendee Basic) |
| API access | No |
| Category | Best AI Personal Finance Apps in 2026, rank 7 of 11 |
| Website | spendee.com |
Who Spendee is best for
Free-tier testers
Basic includes bank sync and automatic categorization at no cost, within a one wallet, one budget cap, so you can test the bank connection before deciding to pay anything.
Shared wallets
Plus and Premium allow sharing wallets with other people, which suits couples or flatmates who want a common pool for rent and groceries next to private spending.
Mobile-first users
Budgets are on iOS and Android, with web budgets shown as coming soon, so the product fits people who track on their phone rather than at a desk.
Spendee plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Basic | Free | One cash wallet and one budget, bank sync, automatic categorization, backup and sync, import and export, with no payment required |
| Plus | $1.99 per month or $14.99 per year | Unlimited cash wallets and budgets, wallet sharing, bank sync, and import and export, after a 7 day trial offered on all plans |
| Premium | $5.99 per month or $35.99 per year | The pricing page lists the same features as Plus and does not explain what the higher price adds beyond those listed |
Checked November 2026.
What Spendee does
- Bank sync
- Listed on all three plans, including free Basic, so connecting an account does not require a paid tier, though the pages opened do not list supported banks.
- Automatic categorization
- An auto-categorization engine sorts incoming transactions. The page describes it without the word AI and does not say how it learns from your corrections or handles unusual merchants.
- Backup and sync
- Included in Basic, per the pricing page, so data entered on one device is kept safe and appears on your other devices without a paid plan.
- Wallets and budgets
- Unlimited on Plus and Premium; Basic is capped at one cash wallet and one budget, which is enough for a single envelope of tracking but not for several goals.
- Wallet sharing
- Available on paid plans for sharing a wallet with other people, which turns a personal tracker into a joint one for a couple or a household.
- Import and export
- Transactions can be imported and exported on all plans, listed on Basic as well, which helps with leaving the app later or loading history from another one.
How Spendee handles your data
Spendee's data handling was not checked for this review: the privacy policy PDF could not be read, so training, retention, hosting and certifications are not described. The only page opened was the pricing page, which says prices may differ by country and offers no statement about how data is stored or used. A buyer should read the vendor's privacy policy directly before linking a bank account.
Where Spendee falls short in practice
- Basic cap. Basic is limited to one cash wallet and one budget, so anyone who wants separate budgets for groceries, travel and bills needs a paid plan almost immediately.
- Web budgets pending. The pricing page shows budgets on the web as coming soon, so a desktop-centered workflow is not supported on the page as written, and iOS or Android is needed.
- Plus and Premium look alike. The page lists Premium with the same features as Plus, so the extra $21 a year is not explained, and buyers cannot tell what they would get for it.
Works with
Alternatives to Spendee
Spendee: common questions
Is Spendee free?
Spendee Basic is free, with one cash wallet and one budget plus bank sync and automatic categorization. Paid plans start at $1.99 per month or $14.99 per year as of November 2026, and the vendor says prices may differ by country, so the figure you see may not match.
What is the difference between Spendee Plus and Premium?
The pricing page lists the same features for both: unlimited cash wallets and budgets, shared wallets, bank sync and import and export. Plus is $14.99 per year and Premium is $35.99 per year, and the page does not say what the extra cost buys, so ask the vendor.
Does Spendee have AI?
The pricing page names an automatic categorization engine and does not use the term AI. No assistant or chat feature is described, so Spendee fits users who want tracking and budgets rather than conversation, and who prefer a low price.
Can I use Spendee budgets on the web?
The pricing page says budgets are on iOS and Android and shows web budgets as coming soon. Check whether the web version has launched before relying on a laptop workflow, and use the phone apps if budgets are what you need today.
Where does Spendee store my data?
This was not checked: the privacy policy PDF could not be read, so hosting region, retention and training are unverified. The pricing page offers no data statement either, so ask the vendor about storage and deletion before connecting a bank account.