About Spenzo
Spenzo is a personal-finance app on a simple mission: help everyday people feel calm and in control of their money — without spreadsheets, jargon or judgement.
Why we built Spenzo
Most people don’t need more charts — they need a clear answer to one question: “is it okay to spend right now?” Traditional budgeting apps either assume a rigid calendar month or demand a lot of manual upkeep. We wanted something that fits real life: budgets that follow your actual payday, a single daily safe-to-spend number, and a friendly AI that explains your money in plain language.
What we believe
Your data is yours
Spenzo makes money from a simple subscription — never by selling your personal data or showing ads. Your finances are yours alone.
Private by design
Secure, http-only sessions and a Private mode that hides sensitive figures at a glance. You can export or delete your data at any time.
Money in plain language
A friendly AI explains your spending in plain words — no jargon, no judgement — so you always know where you stand.
Built with care
A small, dedicated team that ships improvements regularly and replies to every support message personally.
Where Spenzo runs
On the web
Works in any modern browser and installs as an app (PWA) — nothing to download.
On iPhone
A native iOS app, built from the same codebase, with your data in sync.
You can also securely connect a bank via Tink across Europe (starting with Ireland) to import transactions automatically — always read-only.
Money, with a little help.
Start your free trial and see your safe-to-spend number today.