Unlimited household members
Invite your partner, flatmates, or family. Everyone sees the same shared budget, transactions, and accounts, updating in real time.
New · one budget for your whole household
One budget for the whole household.
Track expenses, forecast your balance months ahead, and share everything with your partner, flatmates, or family. Up to 10 accounts each, unlimited members, all in real time.
Rated 4.8 / 5 by early households
✓ Free during beta ✓ No bank login ✓ No card required
10
accounts per person
Unlimited
household members
6
languages built in
Free
during beta
Everything in one place
Everything a household needs
Built for real households: shared accounts, one budget, the same live view for everyone.
Up to 10 accounts per person
Track debit cards, savings, and credit cards separately. Each account keeps its own balance, with a combined household view on top.
Bank CSV import
Drop in any bank statement CSV. Spentum auto-detects columns, spots recurring subscriptions, deduplicates, and suggests tags.
Recurring transactions
Daily, weekly, monthly, or annual. Set a recurring once and it flows into every forecast, budget, and report automatically.
Detailed reports
Monthly overviews, annual trends, a spending heatmap, category drill-downs, and savings-rate charts. See where every pound goes.
Budgets, goals & subscriptions
Set monthly caps per category, track savings goals with progress rings, and see every subscription in one place.
Organised automatically
More than 50 categories, built in
Every income and expense type is covered out of the box, with the option to add your own. Tag a transaction once and Spentum remembers it.
Groceries
Salary
Housing
Mortgage
Transport
Dining Out
Subscriptions
Utilities
Health
Travel
Entertainment
Shopping
Investment
Freelance
Gym & Fitness
Insurance
Education
Pets
Childcare
Cashback
Gifts
Bonus
Charity
TaxesGet going in a minute
Three steps. One minute.
No bank connection, no setup call. Sign up and you are budgeting together the same day.
Sign up free
No card, no bank login. Just an email, and it takes about fifteen seconds.
Add your accounts
Add them manually or import a CSV from your bank. Tag a transaction once and the tag remembers.
Invite your household
Share one link and everyone budgets from the same live view, instantly.
Good to know
Questions, answered
Is Spentum really free?
Yes, free during our beta period. No card required to sign up, and no hidden upsells.
Do you connect to my bank?
No. You never share your bank login with us. You either import CSV statements or add transactions manually, so your credentials always stay with your bank.
How many accounts and household members can I add?
Up to 10 accounts per person and unlimited household members. Everyone sees the same shared budget and transactions in real time.
Is there a mobile app?
Yes. Spentum runs as a Progressive Web App in any browser, and has native Android and iOS builds.
Can I import from my bank?
Yes. Drag and drop a CSV export from any bank. Spentum auto-detects columns, deduplicates transactions, spots recurring subscriptions, and can auto-tag using AI.
Who owns my data?
You do. Export all your transactions to CSV at any time, and delete your account with a single click.
Start budgeting together
Free during beta. Your first transaction takes less than a minute, and your whole household is one link away.
Create free account →No card · No bank login · Cancel anytime