Make every penny easier to understand.
Bring accounts, bank statements, budgets, debt and goals into one calm workspace—then see exactly what your money is doing.
August 2026
Your money overview
Net worth
R 184,250
Income
R 32,400
Spending
R 18,730
Cash flow
Income against spending
Recent transactions
Woolworths Food
Groceries
Salary
Income
Engen
Transport
15+
Finance Tools
8
Visual Themes
3
Statement Import Formats
1
Private Money Workspace
How Spendful Works
Add Your Accounts
Create your bank, credit, cash, savings, and investment accounts, then import a statement or enter transactions.
Set Your Goals
Create traditional or envelope budgets and set savings targets using your actual spending history.
Track & Optimise
Monitor your progress with real-time insights and get personalised recommendations to optimise your finances.
Frequently Asked Questions
Is my financial data secure?
Spendful uses Clerk for authentication and isolates every financial record by user. It does not request or store online-banking credentials.
Can I sync my bank accounts?
Direct bank connections are not available yet. You can add accounts manually and import transactions from CSV, TXT, or PDF bank statements.
Is there a free plan available?
Yes. The Free plan includes expense tracking, basic budgeting, and essential insights. Pro unlocks unlimited records and advanced analytics.
How do automatic categories work?
Spendful applies configurable description-matching rules and category keywords. You stay in control and can edit or rerun the rules at any time.
Ready to Take Control of Your Finances?
Start with the free plan and build a clearer picture of your money.
Get Started Free