See what your paycheck
is really worth.
Enter your income, bills, and subscriptions once. Spenditure shows what's already spoken for, what's safe to spend, and what could create pressure before payday.
Good morning, Maya
High paycheck pressure
$2,371 of your $2,611 paycheck is due before it arrives.
Upcoming payments
Next 14 days →Top things to watch
Your paycheck disappears before you know why.
Rent, insurance, phone bills, subscriptions, childcare, loans — most of your money is committed before the month even starts. Spenditure helps you see that clearly before surprises happen.
Paycheck clarity without tracking every transaction.
Spenditure focuses on recurring money — not every purchase. Three short steps and you'll see your real picture.
Add your take-home pay
Enter your net paycheck, pay frequency, and next payday.
Add recurring costs
Track rent, loans, insurance, utilities, subscriptions, and other fixed payments.
See what is safe
Get your already-spoken-for score, safe-to-spend amount, and paycheck pressure.
Simple numbers that actually help.
Six core readouts that turn recurring costs into one clear picture.
Already spoken for
See what percent of your income is committed before flexible spending.
Safe to spend
Know how much you can spend per day until your next payday.
×18 days
Paycheck pressure
See how much of your next paycheck is already due before it arrives.
Subscription leak
Turn monthly subscriptions into yearly cost so you can spot what's worth reviewing.
Upcoming payments
See what's due in the next 7, 14, and 30 days — and sync it to Google Calendar.
Cash cushion target
Estimate an emergency fund based on your essential expenses and your budget method.
Not just charts. Clear next steps.
Spenditure reads your numbers and tells you what they mean — in plain language, with a suggested action you can actually take.
$2,371 due before Jun 14
Of your $2,611 paycheck is already committed before it arrives.
9 services at $113/mo
Your subscriptions cost $113 a month — that's $1,354 across a full year.
3-month cushion goal
Based on your essential expenses. A smaller first target is a fine place to start.
Choose the money framework that fits you.
Pick a budgeting method and Spenditure adjusts warning levels, savings targets, and cushion goals automatically.
Balanced lifestyle & savings
Split your take-home pay into three buckets: 50% essentials, 30% lifestyle, 20% saving and debt payoff. A gentle starting point that works for most households.
Your method changes how Spenditure evaluates fixed costs, savings targets, and emergency-fund goals.
No bank connection required.
Spenditure is designed for people who want clarity without linking financial accounts. Enter your recurring payments manually and stay in control of your data.
Manual by design
You decide what to track. Add a bill in seconds, change it whenever you want.
No transaction scraping
Spenditure doesn't connect to your bank, your card, or your purchase history.
You control what you enter
Edit anything anytime, or delete your account and its data for good.
Built for recurring costs, not financial overwhelm.
Spenditure isn't trying to replace your budgeting app — it's a different shape entirely. Here's the contrast.
Simple pricing. No bait.
Start free and stay free for as long as you like. Upgrade only when the extra tools would actually help you.
Individual paycheck planning. No card required.
- Up to 5 subscriptions
- Up to 5 recurring bills
- Overview & card tracking
- Paycheck pressure & safe to spend
Unlimited personal planning with reminders and integrations.
- Unlimited subscriptions
- Unlimited recurring bills
- Email reminders
- Analytics & spending charts
- Telegram, Google Calendar, MCP, and CSV export
Invite your partner and manage household money together.
- Everything in Pro
- One household for two adults + kids
- Me, Partner, and Shared ownership
- Kids with their own savings goals
Secure payment via Stripe. Cancel anytime.
Questions before you start?
Bank connections, household sharing, reminders, data export — it's all answered in one place.
Read the FAQStop guessing what's left after bills.
Set up your recurring costs once and see what every paycheck is really worth.
Get started free