See where your money is going.
Plan your income, bills, savings and recurring payments — and see how they shape your balance months ahead.
What is Spendly Budget?
Spendly Budget is a budget planning web app for individuals, partners, and households who want to see how income, bills, savings, and recurring payments could shape their balance in future months.
Build a plan from the amounts and payments you enter, then compare it with recorded activity as the month unfolds. A forecast is an estimate based on your plan; it does not guarantee what will be in your bank account.
The public calculators use the numbers you enter on that page. Their results are not automatically transferred into a Spendly Budget account.
Plan your month before it happens.
See what is coming, automate the payments you expect, and check your plan against real life.
How Spendly Budget Works
A practical workflow for planning the month before it surprises you
1. Create Your Monthly Budgets1. 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 Transactions and Forecast Ahead2. Add Transactions 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 Balance3. 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 Together4. 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
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.
Opens the official SpendlyBudget GPT in a new tab.
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
Built for People Who Need a Clearer Month
A practical way to plan bills, savings, income, and shared expenses before they become surprises
Start With the Free Plan
Create your first budgets, track transactions, and test the monthly planning workflow without adding a credit card.
Useful Features First
Spendly Budget is focused on the budget planning jobs people repeat every month: forecasting, reconciliation, and recurring payments.
Feedback-Friendly Support
Send questions, report friction, or suggest improvements as the app grows around real budgeting workflows.
Plan your month before it happens.
Use Spendly Budget to organize budgets, forecast future balances, and track recurring payments before they affect your cash flow.