Money guides
Short, practical guides to budgeting, paying off debt and never missing a payment.
Debt and credit cards
Debt snowball vs. avalanche: which one should you use?
The snowball pays the smallest balance first, the avalanche the highest rate. See how they differ, which saves more interest and how to follow either one.
How to pay off credit card debt faster
Practical steps to pay off credit card debt faster: pay more than the minimum, aim extra money at the highest rate, never pay late and stop new balances.
What happens if you only pay the minimum
Paying only the minimum keeps your card in good standing, but most of it goes to interest. See how long it really takes and how a small extra payment helps.
How to find your debt-free date
Your debt-free date is the month your last debt is paid off. Here is how to work it out and how extra payments move it closer.
How to track installment payments on your iPhone
Keep every installment plan in one place: what is left, how many payments remain and when the next one is due, with a reminder before each one.
How to track a loan and see what you really pay
Track car loans, personal loans and mortgages: the remaining balance, payments left, interest and the month the loan ends, with a reminder before each payment.
Bills and subscriptions
Statement date vs. due date: when should you pay?
The statement date closes your billing period; the due date is the last day to pay without a late fee. Here is how the two work and when to pay.
How to never miss a bill payment
Set reminders for every bill, card and subscription so nothing is paid late. Get a notification before the due date and mark it paid in one tap.
How to track and cut your subscriptions
Find out what your subscriptions really cost each month and each year, get a reminder before every renewal and decide which ones to cancel.
Budgeting and saving
How to make a monthly budget that works
A simple way to build a monthly budget: start from your income, cover needs first, set limits for spending and save before you spend.
How to track spending without linking your bank
You don't need to give an app your bank login to track spending. Add expenses in seconds, scan receipts and keep your data on your own iPhone.
How to save for a goal and reach it
Set a target and a date, save a fixed amount each month and track your progress. A simple method for a trip, a car or an emergency fund.
How to track your net worth
Net worth is what you own minus what you owe. Track savings, investments, gold and debts in one place and watch the number grow.
How to share a budget with your partner
Share a budget or a savings goal with your partner or family through iCloud. Everyone adds expenses and sees the same numbers, with no shared login.
On your iPhone
Budget widgets for your iPhone Home Screen
See your balance, budgets, goals and upcoming payments on your Home Screen and Lock Screen, and add an expense without opening the app.
Log Apple Pay purchases automatically
Use a ready-made Shortcuts automation to log every Apple Pay purchase in Spendry, so your budgets stay up to date without typing.
Free calculators
Debt payoff calculator
Free debt payoff calculator: compare the snowball and avalanche methods and see the month you'll be debt-free and the interest you'll pay. No sign-up.
Credit card payoff calculator
Free credit card payoff calculator. Enter your balance, rate and monthly payment to see your payoff date, the total interest and what paying only the minimum costs.
Monthly budget calculator
Free monthly budget calculator: split your take-home pay into needs, wants, and savings or debt payments in seconds. No sign-up.
Loan calculator
Free loan calculator for car loans, personal loans and mortgages. See the monthly payment, the total interest and the full payment schedule.
Savings goal calculator
Free savings goal calculator. Enter your goal, what you already have and your deadline to see how much to save each month, with optional interest.
Subscription cost calculator
Free subscription calculator. List your subscriptions with their price and billing cycle and see what they cost each month, each year and over five years.
