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Spendee Review

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Ever look at your end-of-month bank statement and think to yourself, “Where did all my money go?!” Did you follow that thought with an attempt to mentally calculate your expenses, even though you weren’t keeping track in the first place?

Well, you’re in good company, because we’ve all been there before.

The solution to this is a budget. Budgets allow the average person to closely monitor their spending habits to improve their finances and achieve their goals.

Thanks to fintech, budgeting apps are common and make the once difficult, arduous, or anxiety-inducing process much, much easier— and that’s where Spendee comes in.

In this WealthRocket article, we introduce Spendee, with a review of the personal finance app that can help you track your spending and plan your saving with heightened efficiency.

What is Spendee?

Spendee is a personal finance and budgeting app that allows users to track their finances using their mobile phone or computer to manage their daily expenses online. The app automatically syncs your expenses and allows users to track where their money goes. It also allows them to allocate better where incoming money is going.

How does Spendee work?

Spendee uses the Track, Analyze, and Budget method to effectively take charge of your financial health.

The steps in this journey include:

  • Tracking your cash flow (income and expenses) monthly. You can see where your money comes from and where it’s going. You have the option to track your expenses by manually inputting your transactions as you make them or by syncing Spendee with your bank accounts for automatic tracking. Manually inputting your transactions allows you to make more educated purchases.
  • Analyzing to help you better understand your financial habits. In the Overview section, Spendee lists all of the transactions you’ve made, your balance, income versus expenses, and graphics for each given month to visually represent and categorize the percentage of where your money goes.
  • Budgeting effectively to make your future shopping stress free. Spendee will help you stay within your set budget. You can customize budgets for each category of your shopping (such as food, clothing, entertainment), set alerts for when you’re approaching your limit, and view in real-time how much you are spending daily.

Spendee also helps with:

  • Tracking how much money is coming in versus going out, so you know you’re not spending more than you’re making.
  • Staying within your set budget. Spendee will even notify you if you are approaching or going over your limit and whether you have exceeded your preset limit, so you can spend and save money as planned.
  • Organizing by creating multiple categories for your spending habits, such as food, entertainment, living expenses, to help allocate how much of your money goes where.
  • Saving money and allocating money towards long-term savings, short-term savings, an emergency fund, and more.
  • Sticking to a daily allowance helps you stay within budget on any given day and reduce unnecessary spending.
  • Managing not only your finances but your family’s budget as well with the shared wallet feature
  • Tracking international currencies allows users to track international expenses and will manage the currencies for you if you’re on vacation or doing business in another country, for example.

How much does Spendee cost?

Once you download the Spendee app to your phone and sign up, you can decide between three Spendee packages:: Spendee BasicSpendee Plus, and Spendee Premium.

Spendee Basic

Fees: None. Spendee Basic offers a no-cost version of the financial tracking application. This tier includes budgeting and requires users to manually input their expenses. It provides a detailed overview and comes with one complimentary budget and one complimentary cash wallet.

Spendee Plus

Fees: $14.99

A less restrictive version of the Basic package, Spendee Plus offers unlimited cash wallets and unlimited budgets.

Spendee Premium

Fees: $22.99

Spendee Plus offers automatic categorization, backup and sync, unlimited cash wallets and budgets, shared wallets with other Spendee users, import and export transactions, secured data, and a detailed overview of your expenses. Spendee Plus costs 22.99 per year.

Participating banks with Spendee

Spendee allows its users to connect to more than 2,500 financial providers all over the world. Below, you can view which banks in the United States and Canada are applicable with Spendee.

Spendee: USA

  • America First Credit Union
  • American Express
  • Bank of America
  • Boeing Employees Credit Union
  • Charles Schwab
  • Fidelity NetBenefits OFX
  • Fifth Third
  • N26 Web Banking
  • Navy Federal Credit Union
  • PNC
  • Regions
  • TD
  • USAA Federal Savings Bank OFX

Spendee: Canada

  • American Express
  • CIBC
  • Desjardins
  • RBC
  • Scotiabank
  • TD
  • Paypal

Pros & cons of Spendee


  • Convenient, one device management of all your financial data, including cryptocurrency

  • User-friendly interface with colored infographic charts to visually represent and breakdown your spending habits

  • Customizable features- set up alerts to notify you when you have gone over budget or monthly reminders to pay your bills

  • Affordable and customizable for however you choose to budget

  • Option to connect multiple checking accounts, like a family plan but for your finances so you know who paid for what and how much was spent in total


  • Cannot be synchronized with all bank accounts: It depends if the financial institutions allow Spendee to do so. If yours is left out, you will manually have to input the details of each transaction you’ve made. This is either a pro or a con, depending on how you want to track your finances.

Our final thoughts

Spendee is a great and customizable option to help keep track of your income and expenses, especially if you’re having trouble monitoring your spending habits and need help staying informed of where your money is going.

It is user-friendly, customizable, budget-friendly, and a pretty low premium allows you to sync your income and transactions for complete ease of use and accuracy, with no forgotten manual reports. It is an overall helpful resource for money management.

Frequently asked questions

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