How can we help?

Just a US bank account and a few minutes. Here's the setup in order:

• Download Spentz from the App Store and create a free account with your email.
• Connect your main bank account via Plaid — this takes about 60 seconds and is secure and read-only.
• Spentz will automatically detect your recurring bills and suggest a starting budget.
• Add a savings goal if you have one (house deposit, emergency fund, holiday — anything).
• You're done. Your dashboard is live.

Spentz is built around three ideas that work together:

• Know your musts first. Bills, rent, subscriptions, and debt payments come off the top. What's left is your real money.
• Goals drive everything. Your savings contributions are set aside right after your musts — before you see a discretionary number. Goals aren't afterthoughts; they're built in.
• Spend without stress. What remains after musts and goals is genuinely yours to spend freely. Spentz won't nag you about coffee — but it will pause you before a significant purchase so you're choosing with eyes open.

The short version: Spentz is a financial advisor, not an accountant. It's there at the moment that matters — before you spend — not just in the month-end report.

Spentz uses payday-synced budget periods — your budget resets when your salary arrives, not on the 1st of the month. This means your numbers always reflect actual money in your account, not a calendar date.

During setup, you'll tell Spentz your typical pay date (e.g. last working day of the month, every 2 weeks, etc.). Once your income lands, Spentz detects it and starts a fresh budget period.

Spentz classifies every transaction into one of three types — and this drives everything from budget priority to the tone of the pre-purchase check:

• Must — Non-negotiable. Rent, mortgage, bills, subscriptions, minimum debt payments. These are pre-committed at the start of every budget period. Spentz detects most of these automatically from your transaction history.
• Need — Essential but variable. Groceries, transport, healthcare, childcare. You need to spend here, but the amount varies month to month.
• Want — Discretionary. Dining out, shopping, entertainment, travel. This is where day-to-day spending decisions happen — and where the pre-purchase check has the most impact.

Spentz speaks differently depending on the type. It won't question a must. It'll nudge gently on a need. And on a want, it'll show you the full picture — budget remaining, goal impact, and what you're actually choosing.

Spentz uses Plaid — the same financial data network used by Venmo, Robinhood, and thousands of other apps — to securely connect to your bank.

When you link an account, you authenticate directly with your bank through Plaid's secure interface. Spentz never sees your bank login credentials. Plaid retrieves your transaction and balance data and sends it to us.

Spentz supports over 12,000 US financial institutions via Plaid, including all major banks (Chase, Bank of America, Wells Fargo, Citi, US Bank), online banks (Ally, Marcus, SoFi, Chime), and credit unions.

If your bank isn't found during the connection flow, it may not yet be supported by Plaid. You can still use Spentz — you'll just need to add transactions manually for that account.

A few things to try, in order:

• Wait a moment. New transactions can take up to a few hours to appear after they post at your bank. Pending transactions are not shown — only settled ones.
• Force a manual sync. Go to Settings → Accounts → [your bank] → Sync now.
• Reconnect your account. If sync has been broken for a while, your Plaid connection may need refreshing. Go to Settings → Accounts → [your bank] → Reconnect. This is common and safe — it doesn't delete your existing data.
• Check your bank's status. Occasionally banks perform maintenance or have outages that temporarily affect data feeds.

If none of the above works, email us at hello@spentz.app with your bank name and we'll look into it.

Yes. The free tier supports up to 2 bank accounts. With Spentz Pro, you can connect unlimited accounts.

When multiple accounts are connected, Spentz combines spending across all of them into a single budget view by default — so your grocery budget tracks spend from whichever card you used. You can include or exclude specific accounts from budget tracking in Settings → Accounts.

Go to Settings → Accounts → [your bank] → Disconnect. This immediately revokes Plaid's access to your bank data.

Your historical transaction data for that account will be deleted from our systems within 30 days. If you'd like it removed immediately, delete your account instead (Settings → Account → Delete Account).

Spentz uses a budget waterfall — money flows through priorities in order:

• Income arrives and starts the period.
• Musts are pre-committed first (bills, rent, subscriptions detected automatically).
• Goals are set aside next — your savings contributions come out before discretionary spending.
• Needs (groceries, transport, healthcare) are budgeted from what's left.
• Wants (dining, shopping, entertainment) get the remainder.
• Buffer — any unallocated money becomes breathing room.

The number you see on your dashboard — your discretionary remaining — is what's genuinely available after musts and goals. It's your real flex number.

When you connect a bank account, Spentz analyses your transaction history to identify recurring payments — rent, Netflix, Spotify, gym memberships, loan payments, and so on.

These are automatically classified as Musts and pre-committed at the start of each budget period. That means they're already accounted for before you see your spending number — just like your payslip shows net pay, not gross.

Tap the transaction in your transaction list, then tap the category badge to change it. You'll be offered the option to:

• Change this transaction only — a one-time fix.
• Always categorise [merchant] as [category] — saves a rule for future transactions from this merchant.

Spentz learns from your corrections over time, so recategorisation becomes less frequent as it adapts to your spending patterns.

Goals in Spentz are first-class — they're not a side feature. When you set a goal (e.g. "Save $20,000 for a house deposit by December 2027"), Spentz calculates the monthly contribution needed and reserves that amount right after your musts, before your discretionary number is shown.

Goals power the goal timeline impact feature — the reason you see "this delays your house deposit by 4 days" in the pre-purchase check rather than just "78% of budget used."

• Free tier: 1 active goal
• Spentz Pro: unlimited goals

Spending pace is a daily view of whether you're on track. It answers: given your discretionary budget and the days left in this period, are you spending sustainably?

If you're ahead of pace, it means you've been spending more per day than the budget allows. Behind pace means you have room. The goal isn't to always be behind pace — it's to surface the information so you can make conscious choices.

The pre-purchase check is a financial pause button. Before you spend — at the moment of decision — you enter the amount and Spentz shows you:

• Your current budget status for that category
• The category type (must / need / want) and what that means right now
• The goal timeline impact — how many days this delays or accelerates your savings goal
• Relevant context from your recent spending patterns

No other budgeting app does this. Every competitor shows you what you've spent — after it's done. Spentz shows you the impact before you tap pay.

There are two ways:

• In-app: Tap the ⚡ button on the home screen, enter the amount and merchant, and tap Check.
• Home screen widget: Add the Spentz widget to your iPhone home screen for a one-tap check without opening the app. (iOS 16+ required)

The free tier includes 5 pre-purchase checks per month. Spentz Pro gives you unlimited checks.

Because a $200 electricity bill and a $200 dinner deserve completely different responses.

Spentz uses your must / need / want classification to calibrate its tone:

• Must: Informational only. "Your rent payment is $1,450 — as expected." No nudge, no judgement.
• Need: Contextual. "Your grocery spend is on track. You've averaged $380 of your $400 budget this month." Gentle awareness.
• Want: Full picture. Budget remaining, goal impact, and a clear choice. This is where the check has real weight.

Generic budget apps warn you about everything with the same alarm. Spentz treats you like an adult — different information for different decisions.

Spentz will tell you — clearly and without shame. It'll show you how far over you are, the goal impact of going further, and your options (move money from another category, reduce the purchase, or go ahead knowing the full picture).

Going over budget is human. The app acknowledges this. What matters is that you're choosing with clear information, not discovering it later in a month-end summary.

Yes. Here's why:

• Read-only access. Spentz can only see your data — we cannot move money, make payments, or take any action on your accounts.
• Plaid handles your credentials. Your bank username and password go directly to Plaid, never to Spentz. We never see them.
• Encryption in transit and at rest. All data is transmitted over TLS and stored encrypted using AES-256.
• Row-level security. Your data in our database is only accessible to your authenticated account — not to other users, not to Spentz staff without cause.

Plaid is used by tens of millions of people across thousands of apps. It's the industry standard for secure bank connectivity in the US.

No. We do not sell, rent, or trade your personal or financial data to any third party.

Spentz has no advertisers and displays no ads. Our business model is simple: you pay for a subscription, we build a better app. Your data is used only to provide the service to you.

For the full picture, see our Privacy Policy.

Your data is only accessible to:

• You, through your authenticated account in the app.
• Our infrastructure providers (Supabase), who store encrypted data and cannot read the contents without your authentication context.
• Spentz staff, in limited cases for technical support — only when you've requested help and only with appropriate internal controls.

We never share your data with other users, partners, or advertisers.

Go to Settings → Account → Delete Account. This permanently deletes your account, all associated data, and revokes access to any connected bank accounts.

Deletion is complete within 30 days. This action is irreversible — we cannot recover a deleted account.

We use PostHog for product analytics and Sentry for crash reporting. Here's exactly what's collected:

• Anonymous usage events — which features are used, how often, and in what order. No financial data is included in analytics events.
• Crash reports — device type, OS version, app version, and the state of the app at the time of a crash. No transaction data is included.

Analytics help us understand what's working and what's broken. They contain no personally identifiable financial information.

The free tier gives you everything you need to get started:

• Up to 2 connected bank accounts
• Must / need / want classification
• Payday-synced budgets
• 5 pre-purchase checks per month
• 1 savings goal

Spentz Pro ($7/month or cheaper on annual) removes all limits:

• Unlimited bank accounts
• Unlimited pre-purchase checks
• Unlimited savings goals
• AI-powered advice layer
• Advanced dashboard insights
• Priority support

Tap Settings → Upgrade to Pro in the app. Payment is processed securely through the App Store using your Apple ID. You won't need to enter payment details — it uses whatever card is on your Apple account.

Because Spentz is billed through the App Store, you cancel from iOS settings — not from within the Spentz app:

• Open the iOS Settings app → tap your name at the top → Subscriptions.
• Find Spentz and tap Cancel Subscription.

You'll keep Pro access until the end of your current paid period. After that, your account automatically reverts to the free tier — your data, budgets, and history are all kept.

All purchases are processed through the App Store, so refund requests are handled by Apple. We're not able to issue refunds directly.

To request a refund from Apple, visit reportaproblem.apple.com and select the Spentz purchase. Apple typically processes refund requests within a few days.

If you believe there's been a billing error on our end, email us at hello@spentz.app and we'll do our best to help.

This usually means the cancellation was made after the auto-renewal date. The App Store charges 24 hours before the renewal date — if the cancellation was submitted after that window, the renewal will have already been processed.

In this case, request a refund at reportaproblem.apple.com. Apple is generally accommodating for first-time requests. If you have trouble, email us at hello@spentz.app and we'll advocate on your behalf.

Email hello@spentz.app with "Feature request" in the subject line. We read every message. Early-user feedback has a real influence on the roadmap — this isn't a ticket system, it's a conversation.

Useful things to include: what you wanted to do, what you expected to happen, and what happened instead.

Email hello@spentz.app with "Bug report" in the subject. Include:

• What you were doing when the bug occurred
• What you expected to happen
• What actually happened
• Your iPhone model and iOS version (Settings → General → About)
• A screenshot or screen recording if possible

We aim to respond to bug reports within 1 business day.

Yes — Android is on the roadmap. We launched on iOS first to keep the initial product tightly focused, but Android parity is a priority milestone.

If you're an Android user, email us at hello@spentz.app — every note helps us prioritise and we'll let you know when it's ready.