Spend Friendly

Spend Friendly answers one question: how much can I safely spend today? Enter your take-home income, your recurring bills, and how much you want to set aside. Spend Friendly works out what is left, divides it across the days remaining in your budget cycle, and shows you a single number. Log a spend and the number updates. No account. No sign-up. No bank connection. Your budget stays on your phone. It is written to encrypted storage backed by the Android Keystore, not to a plain settings file, and it is never uploaded anywhere. WHAT YOU GET - Available today, one clear figure, recalculated as you spend - A budget cycle that matches your payday, not the calendar month - Recurring bills and recurring income - A choice of how an overspend is handled, either spread across the rest of the cycle or carried to the next day - A savings figure that accumulates across cycles instead of resetting - App lock with a PIN or your fingerprint - Nine languages: English, Chinese, Spanish, French, Hindi, Vietnamese, Thai, Japanese and Korean SPEND FRIENDLY PLUS An optional subscription, monthly or yearly: - Custom spending categories - Savings goals and tracking - Spending insights and charts - No ads Plus is not required. The daily number, recurring bills, budget cycles and app lock are all free. PRIVACY Spend Friendly does not ask you to log in, does not read your messages or contacts, and has no server holding your budget. The free version shows a banner ad supplied by Google AdMob. In the EEA and the UK you are asked for consent before any ad loads, and you can change that choice later in Setup. Privacy policy: https://pixelanefield.com.au/privacy/spend-friendly/