Spendset

Spend with a plan.

Income minus spending equals zero.

Zero-based budgeting that gives every dollar a job. Plan your income, track your spending, and reach your goals.

Every dollar assigned

Plan income, fund categories, and watch your left-to-budget drive to exactly zero.

Sinking funds that roll over

Car repairs, holidays, insurance — unspent money carries forward automatically.

Goals you actually hit

Track savings and debt-payoff targets with real progress from your transactions.