How Spendium works

Add accounts

Create the accounts you use in real life. You can start manually; import is available where supported.

Track transactions

Log spending and income, clean up imports, and use categorization to keep the picture accurate. The assistant can help you capture entries when your plan allows.

Add bills and recurring costs

Enter amounts and due dates for rent, subscriptions, and other fixed items so they sit beside everyday spending in your model.

See the forecast

Spendium projects how cash is likely to unfold based on what you logged — including runway-style timing when your data is in good shape.

Read safe-to-spend

Use spending health and safe-to-spend style guidance to pace discretionary purchases through the rest of the month.