All your spending(yes, crypto too)in one place.
Your finances deserve more. Join those who already moved beyond spreadsheets.
Compatible with top banks, stocks and crypto exchanges
Welcome back
Lorenzo
Buy the scooter, stop renting it!
78
Your financial health: savings, spending & goals
Total Net Worth
€47,832
+40% on dining out this month
Quick Actions
Built for Privacy
Your data stays yours. Always. Every layer of Spendable is engineered so nobody, not even us, can peek at your financial life.
Encrypted at all times
TLS 1.3 in transit, AES-256 at rest. Your data is unreadable to anyone without your key.
Bank connections via trusted providers
Read-only access through Salt Edge, a licensed AISP authorized by the UK FCA (ref. 822499).
We can't see your information
Zero-knowledge architecture. Credentials never touch our servers, account contents stay encrypted end-to-end.
Strict data isolation per user
Every account lives in its own encrypted silo. No cross-user access, no shared state, no exceptions.
Sound familiar?
5 bank apps. 3 crypto exchanges. 2 brokers.
A spreadsheet you update once a month.
You have no idea what your real net worth is.
Nothing talks to each other.
You deserve better.
Much better.
Meet Spendable
One app that connects all your accounts, tracks your net worth in real time, and helps you budget without the complexity. Traditional finance and crypto, together at last.
- See everything in one dashboard
- Track crypto alongside your bank accounts
- Budget smarter with zero-based budgeting
- AI insights, never judgment
BTC
+5.2%
Synced
3 banks
Synced
2 crypto cards
Everything you need
Four powerful features that work together to give you complete control over your finances.
All accounts in one dashboard
Banks, savings, crypto exchanges, stock brokers. Connect them all and see your complete financial picture in real time. No more switching between 10 different apps.
Real net worth tracking
Stop manually calculating your net worth. Watch your wealth grow (or learn from when it doesn't) with real-time updates across all your assets and liabilities.
Smart zero-based budgeting
Give every Euro a job. Our zero-based budgeting system helps you allocate your income intentionally – no spreadsheets required. Just clarity and control.
Spendable Score
Your financial health at a glance, Whoop-style. One number that tells you how you're really doing. Track progress, get personalized insights, and level up your money game.
Good shape!
+5 points from last month
Crypto-asset tracking is read-only and non-custodial: Spendable does not hold, trade, or execute orders on crypto-assets and falls outside the scope of MiCA CASP authorization (Reg. EU 2023/1114, Art. 3(1)(16)). Crypto-asset values are highly volatile; displayed prices are indicative only. Past performance is not indicative of future results. Informational only, not investment advice.
Three simple steps
From chaos to clarity in minutes. Here's how Spendable transforms your financial life.
Create your account
Sign up in seconds with email, Google, or Apple. Quick and secure.
Connected accounts
3 accounts linked
Get instant access
Download Spendable via TestFlight and join our exclusive community of builders.
Net Worth
+12%€47,832
Master your money
Connect your accounts, track everything, and get AI-powered insights on your finances. Informational only, not personalized investment advice.
Move €200 to savings this month to boost your score by 3 points.
One price. Lifetime access.
No subscriptions. No hidden fees. Just one payment and Spendable is yours forever.
No more subscriptions
We're tired of finance apps that charge you every month to tell you what you already know. Data everywhere, no real direction.
Pay once, use it forever. Simple.
Closed beta via TestFlight. 30-day no-questions-asked refund from the purchase date.
Lorenzo Capone
Founder, Spendable
lifetime
Frequently asked questions
Everything you need to know about Spendable.
Absolutely. We take security very seriously. Bank connections for the closed beta are handled by Salt Edge Limited, a licensed Account Information Service Provider authorized by the UK FCA (ref. 822499) and ISO 27001 certified. This means we never see or store your banking credentials. Connections are strictly read-only: we can view balances and transactions, but we cannot move your money. Data is encrypted in transit (TLS 1.3) and at rest (AES-256).
Through Salt Edge we support thousands of banks across Europe (PSD2 coverage) and additional providers like Plaid are planned for broader US coverage as we move beyond the closed beta. For crypto, we integrate with major exchanges including Coinbase, Binance, and Kraken in read-only mode (Spendable is non-custodial and does not hold, trade, or execute orders on crypto-assets). Manual entry is supported for assets that can't be connected automatically.
No, the closed beta is €99.99 (lifetime, one-time payment). But waitlist members get a €30 discount with their coupon code. We believe in charging a fair price because we're serious about this product and you deserve serious commitment.
You can request a full refund within 30 days of your purchase, no questions asked. Just email hello@spendable.pro with your purchase email and we'll process it within 30 days. Beyond 30 days, lifetime access remains yours and the purchase is non-refundable, except where mandatory consumer protection law provides otherwise.
We're in closed beta to gather feedback from our most dedicated users before the public launch. TestFlight is Apple's official beta testing platform, used by every major app before launch. You'll get early access to shape the product.
We're committed to launching, but we're also committed to transparency. Regardless of project status, every purchase is covered by our 30-day no-questions-asked refund window. Contact hello@spendable.pro and we'll process your refund within 30 days.
Yes. 30 days from your purchase date, no questions asked. Email hello@spendable.pro with the address you used at checkout and we'll handle it.
Yes! This is what makes us different. Most budgeting apps completely ignore crypto, and most crypto apps don't help you budget. Spendable brings both worlds together. Track your Bitcoin, Ethereum, and other holdings right alongside your traditional bank accounts and investments.
Still have questions?
Get in touch
What our beta testers say
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