See your financial future
before it happens
Spentum tracks every penny you earn and spend, then forecasts your exact balance months and years ahead, day by day, account by account.
No credit card. No bank connection. No nonsense.
Everything your finances need
Built for people who want real control, not just a pretty chart.
Long-Term Balance Forecast
See your exact balance every single day, months and years into the future. Know the impact of every financial decision before you make it.
Recurring Transactions
Add salary, rent, subscriptions, loan repayments once. Daily, weekly, monthly, annual. Spentum handles every schedule automatically.
Multiple Accounts
Current account, savings, credit cards, investments. Manage them all in one place with a combined or per-account view.
Savings Goals
Set a target, link it to a tag, and watch your progress in real time. Spentum tells you exactly when you'll hit your goal.
Spending Reports
Monthly breakdowns by category, income vs expenses, top transactions. Understand exactly where your money goes every month.
Mobile App
Coming soon on Android and iOS. The full Spentum experience in your pocket, with haptic feedback and offline support.
Up and running in 3 minutes
No bank connection. No complicated setup. Just your numbers.
Create your account
Sign up free with email or Google. No credit card required.
Add accounts & transactions
Set up your bank accounts, then add recurring and one-off income and expenses.
See your future balance
Instantly see your projected balance day by day, weeks, months and years ahead.
Common questions
Is Spentum really free?
Yes, completely free during beta. Sign up now and keep free access forever. We may introduce a paid plan for new users in the future, but early users are never charged.
Do I need to connect my bank account?
No. Spentum never connects to your bank. You enter transactions manually, keeping your banking credentials completely private.
How far ahead can it forecast my balance?
Months and years ahead, day by day. Every recurring income and expense is calculated automatically so you always know where your balance is heading.
Does it work on mobile?
The full web version works on any browser or device right now. Native Android and iOS apps are coming soon.
What currencies and languages are supported?
Spentum supports multiple currencies and is available in English, Romanian, Spanish, French, German and Polish.
Is my data safe?
All data is encrypted in transit and at rest. We never sell or share your data with anyone.
Stop guessing. Start knowing.
Join people using Spentum to track their finances and see their financial future clearly.
Free during beta. Early users keep free access forever.
Create your free account