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★★★★★
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Early installment payoff • Paid off a loan ahead of schedule? Mark it as settled right from the expense details. • Tap "Mark as fully paid off" and enter the date and amount paid: a single payment replaces the remaining installments and the expense is closed. • Changed your mind? Reactivate the expense and the original installment plan is restored. More accurate statistics • Paused expenses are no longer counted in totals and charts. • The monthly average now matches the category chart: installments count at their actual amount. • Month-by-month charts use your real payments and estimate the rest of the year based on start dates, free trials, custom frequencies, and price changes. • Expenses that ended during the year stay in the history up to their closing date. • Category groups now also show those with a single expense. • Tap "Equivalent monthly average" to see how it's calculated. Refreshed Home • Colors more consistent with your chosen theme, in both light and dark mode. • More readable and accessible secondary text. • Dark mode with backgrounds and cards tinted by your theme color. Fixes • Completed expenses no longer create new due dates in the calendar. • The Home summary no longer includes paused expenses. • The anonymous analytics text in your profile is now fully readable.
SpendZen shows you at a glance how much you spend each month on subscriptions, bills, loans and fixed costs. And how much is really left. No account, no bank to connect: your data stays on your iPhone, with optional iCloud backup. NEW IN SPENDZEN 4.0 • Financial Forecast (Pro): your margin for each of the coming months, with a chart of income, expenses and net, plus a timeline of upcoming changes. • Free trials: a reminder the day before a trial ends and the first charge marked in your calendar. When it ends, turn it into an expense or delete it. • Bills & usage (Pro): log kWh and m³ with each payment and compare average, minimum, maximum and peak month. • Redesigned Home: upcoming payments up front, with overdue ones highlighted. • Savings achieved: how much you save per year from closed or paused expenses. ALL YOUR FIXED COSTS IN ONE PLACE • Subscriptions (Netflix, Spotify, Disney+…), rent, utilities, insurance, gym • Monthly, yearly, weekly or one-off expenses • Categories, icons for popular services, filters and sorting NEVER MISS A DUE DATE • Payment calendar showing what's paid and what's left • Customizable reminders before every charge BUDGET AND INCOME • Budgets per category with alerts as you approach the limit • Income and salary: monthly balance, fixed-cost share and history LOANS, INSTALLMENTS AND PRICE HIKES • Loans with installments paid, remaining and end date • Price history: see which subscription went up and by how much STATS AND TIPS • Charts by category and by month • Suggestions to cut unnecessary spending • Badges and milestones to stay on track PRIVACY FIRST • No sign-up, encrypted database on your device • Data hidden in the app switcher preview • Optional, anonymous analytics: no amounts, names or notes are collected SPENDZEN PRO Unlock Financial Forecast, Bills & usage, iCloud backup, Home customization and every advanced feature with a one-time purchase.