The plan nobody gave you.
Follow one March: type in Dining at The Grove Kitchen, split it with Apt 12B, and watch what's left fund a Japan trip — same numbers the whole way. No bank connection required today. We never sell your data to advertisers or data brokers.
Smart Budgeting
Set caps per category. See what's left in real time.
Build a monthly budget with custom categories and spending limits. Progress updates the moment you log an expense — so you always know what's left before the month ends.
- Set a cap for Dining, Groceries, or any category you create
- Progress bars update the moment you log an expense
- Roll unused budget into a goal, like a $103.70 dinner leaving room for Japan
Spent
$3,247.00
Budget left
$530.00
of $3,777.00
- Dining$285.00 / $400.00
- Groceries$340.00 / $600.00
- Entertainment$165.00 / $200.00
- Transport$180.00 / $300.00
Spending Analytics
Break spending down by category, merchant, and time.
Charts and insights turn your logged expenses into a clear picture — so you catch overspending while there's still time to course-correct.
- See which category is trending over budget before the month closes
- Break spending down by day, category, or merchant
- Compare this month against last, side by side
Spending split
Left: $530.00Squads
Shared budgets with roommates and friends.
Create a named group once, then tag expenses to it. Balances accumulate over time so you always know who owes what — without rebuilding the same list for every bill.
- Set up a squad once — balances update automatically as anyone adds an expense
- See who owes who without a spreadsheet
- Works even if the other person doesn't have the app yet
Apt 12B
The Grove Kitchen
Receipt scanned · Items + tax pulled
-$103.70
- You owe Alex$18.20
- Jordan owes You$12.10
More ways it fits your life
Receipts, splits, goals, and trips — in the same app.
Four more tools for the moments budgeting alone doesn't cover: capturing a check, splitting a bill, funding a goal, and tracking a trip.
That's March — Grove Kitchen to Japan, one app, no spreadsheet.
Same dinner, same friends, same leftover budget, same trip goal — tracked end to end. Here's how that stacks up against the apps people actually search for.
Compare
How Spend Sense compares
Against the budgeting apps people actually search for in 2026 — YNAB, Monarch, and Rocket Money. Grouped by what already differentiates us, and what we're still shipping.
| Feature | Spend Sense | YNAB | Monarch | Rocket Money |
|---|---|---|---|---|
| Where Spend Sense already wins | ||||
| No bank connection needed to start | Partial | |||
| Splits built into your budget, not a separate app | ||||
| No ads | — | |||
| Free to use right now | Partial | |||
| Biometric app lock | ||||
| Encrypted data | ||||
| Debt tracking (cards, loans, IOUs) | — | — | — | |
| Multi-currency trip budgets | — | — | — | |
| Savings goals with visual progress tracking | — | — | — | |
| What we're actively building | ||||
| Itemized receipt line data | Partial | |||
| Cloud sync across devices | Partial | |||