Pricing

Free to start.
Powerful when you're ready.

No ads, no data selling. SpendFox makes money only from subscriptions. Try the free tier for as long as you like - upgrade when it makes sense for you.

Monthly Yearly
Free
€0
Forever free

Manual imports, budgeting basics, and spending insights - everything you need to get started with zero commitment.

Download SpendFox on the App Store
Premium
€5.99
per month, billed monthly

Everything in Free, plus bank sync, smart insights, full subscription scanner, unlimited savings goals, multi-currency, and more.

Download SpendFox on the App Store

Everything, compared

Every feature, side by side.

Feature Free Premium
Bank & Import
Bank sync (Europe) Trial only ✓
Statement import (CSV, OFX, QFX, MT940, PDF) ✓ ✓
Transaction history backfill on first sync — Up to 180 days (bank-dependent)
Budgeting
Active budgets Unlimited Unlimited
Budget periods Monthly + weekly Daily / weekly / monthly / yearly
Budget rollover ✓ ✓
Savings goals 3 Unlimited
Fixed expenses Unlimited Unlimited
Custom categories Unlimited Unlimited
Insights & Analysis
Smart insights ✕ ✓
Subscription scanner Top 3 + “n more” locked Full list
Merchant logos Cached + well-known All merchants enriched
Cash flow calendar Current month Full projections + tight-day flags
Multi-currency support Up to 2 currencies Unlimited
Can I Afford It? calculator 5 checks / week Unlimited
Fair-share budgeting ✓ ✓
Financial Health Score ✓ ✓
Privacy & Data
On-device storage ✓ ✓
Data export ✓ ✓
End-to-end encrypted iCloud sync ✓ ✓
No ads, ever ✓ ✓
No data sold or shared ✓ ✓

Frequently asked questions

Yes. The free tier is genuinely useful - statement import, unlimited budgets, 3 savings goals, budget rollover, the current-month cash flow calendar, fair-share budgeting, your Financial Health Score, and the 14-day Premium trial on install. No credit card required, no time limit.
Your data stays on your device - everything you've ever imported lives there forever, no retention cap on either tier. Bank sync pauses since it's a Premium feature, but you keep statement import. Premium-only insights (forward projections, full subscription list, unlimited multi-currency, etc.) revert to their free-tier limits. Nothing is deleted.
Bank connections are handled via OAuth - your credentials never touch our servers. Transaction data passes through our backend only in-memory for merchant enrichment, is never written to storage, and is immediately discarded after forwarding to your device.
Purchases are managed by Apple via the App Store. Refund requests can be submitted through Apple's standard refund process at reportaproblem.apple.com.
Not yet - but it's on the roadmap. Apple's Family Sharing makes this a natural fit for a future update.
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