Budget planning for|you can see ahead

Plan income, expenses, savings, and recurring payments in one clear monthly forecast.

Start Planning Free Sign In

Multiple

Budgets

Future

Balance Forecasts

Auto

Recurring Payments

Clear

Monthly Analytics

A Monthly Budget Planner Built for Real Cash Flow

Track what happened, plan what is coming, and keep every budget aligned with your actual balance

Essential

Multiple Budgets

Separate household spending, personal accounts, savings goals, emergency funds, and other money plans without mixing them together.

TOP FEATURE

Future Monthly Amounts

Forecast budget balances months ahead, place future payments before they happen, and spot cash-flow pressure early.

Automated

Recurring Payments

Set up salary, rent, bills, subscriptions, savings transfers, and other recurring transactions once and let the app schedule them.

Core

Income, Expenses & Savings

Track every money movement as income, expense, saving, or transfer so your monthly budget reflects real life.

Advanced

Consolidated Analytics

Combine budget totals, review past monthly amounts, and understand your full financial picture from one dashboard.

Insights

Shared Budget Tracking

Invite another person to a budget, choose what counts toward shared totals, and plan household spending together.

How Spendly Budget Works

A practical workflow for planning the month before it surprises you

1. Create Your Monthly Budgets
1. Create Your Monthly Budgets

Set up budgets for household spending, personal money, savings, checking, emergency funds, or any goal you want to track

2. Add Payments and Forecast Ahead
2. Add Payments and Forecast Ahead

Track income, expenses, and savings, then add future or recurring payments to see how each month is likely to land

3. Reconcile Monthly Balance
3. Reconcile Monthly Balance

When a new month starts, review planned payments, enter your real balance, and compare expected cash flow with reality

4. Analyze Every Budget Together
4. Analyze Every Budget Together

Review monthly breakdowns, spending categories, shared totals, and consolidated balances from one dashboard

See Your Budget Forecast in Action

A clear monthly view for planned payments, real balances, and spending patterns

One Place for Budgets, Payments, and Forecasts

Track every budget from one clean interface. View monthly amounts, compare expected and actual balances, analyze spending patterns, and see what upcoming payments do to future cash flow.

View Future Amounts: See planned income, expenses, and savings months ahead

Breakdown Analytics: Understand where money went by category each month

Consolidated View: Combine stats from all budgets in a single dashboard

New ChatGPT plugin

Connect SpendlyBudget to ChatGPT

We now have a dedicated GPT plugin so you can connect your SpendlyBudget account and work with your budgets right inside ChatGPT.

Instant connection

Open the GPT, sign in, and securely connect your SpendlyBudget account in minutes.

Secure OAuth access

Your account stays protected while ChatGPT connects through the same secure flow as your app integrations.

Budget help in ChatGPT

Review budgets, update entries, and manage your finances with SpendlyBudget directly from ChatGPT.

Open in ChatGPT

Opens the official SpendlyBudget GPT in a new tab.

SpendlyBudget Single

Your budgets are now one prompt away

Launch the GPT, connect your account, and use natural language to work with SpendlyBudget without leaving ChatGPT.

Available now

chatgpt.com/g/g-6a14bd4a1ec0819196d06b10f87a2f61-spendlybudget-single

Advanced Tools for Better Budget Decisions

Go beyond expense tracking with forecasting, reconciliation, sharing, and monthly analytics

Plan Future Payments

Add one-time or recurring payments to future months and see how each bill, income entry, or savings transfer affects your balance.

Monthly Balance Reconciliation

Update your real balance each month, compare it with the forecast, and keep your budget grounded in what actually happened.

Shared and Consolidated Budgets

Plan with another person, decide which shared budgets count toward totals, and review consolidated budget analytics in one place.

Built for People Who Need a Clearer Month

A practical way to plan bills, savings, income, and shared expenses before they become surprises

Free Forever

Start With the Free Plan

Create your first budgets, track payments, and test the monthly planning workflow without adding a credit card.

Focused

Useful Features First

Spendly Budget is focused on the budget planning jobs people repeat every month: forecasting, reconciliation, and recurring payments.

Support

Feedback-Friendly Support

Send questions, report friction, or suggest improvements as the app grows around real budgeting workflows.

Ready to Plan Your Next Month?

Use Spendly Budget to organize budgets, forecast future balances, and track recurring payments before they affect your cash flow.