MySpendJournal

Features

Everything your monthly plan needs, in plain words

Talk to Journal, see what's safe to spend, plan ahead, and stay on top of every bill, from one app on the web and your phone.

Do anything in the app by just asking

Journal understands everyday language and works from your own records. It drafts every change as a card you check and Save, so nothing happens behind your back.

  • "Spent $42 at Kroger" records the purchase in the right category
  • "How am I doing this month?" sums up your plan and what's left
  • "Show spending by category" draws the chart in the chat
  • "Save $3,000 for a car by December" sets the goal and the monthly amount
  • "If I cut dining out to $200, how much more could I save?" answers from your plan
  • "Turn off the weekly recap email" changes the setting, after your tap

Undo any saved change for 10 minutes. Journal uses AI from Anthropic and gives information about your own records, not financial advice. Premium and the free trial.

Safe to spend, and what's coming up

The first thing on your dashboard: how much you can spend for the rest of the month, after the bills and savings still due, and the bills and pay arriving this week. Add your balance to see a cash-flow forecast of your lowest point ahead.

Plan

  • A starter plan to get going fast
  • Planned income and bills that repeat on their own
  • Monthly limits for flexible spending
  • Planned and actual entries, linked together

Import & Organize

  • PDF and CSV statement imports
  • Preview and approve every row
  • Suggested categories that learn your merchants
  • Duplicate detection and transfer matching

Understand

  • Plan vs actual for every month
  • Budget health and category breakdowns
  • Income and spending trends
  • A month in review, every month

Save

  • Savings goals with target dates
  • The monthly amount each goal needs
  • Contributions that update progress
  • Progress charts

Stay Informed

  • Bill reminders by email
  • Push notifications on your phone
  • Weekly recap and month in review emails
  • Google Calendar sync and calendar export

For Business

  • A business account type
  • Profit and loss view
  • Your business name on the account
  • Export for your records

Manage Transactions

  • Card and ledger views
  • Repeating series, edited together or one at a time
  • Receipts and invoices attached to entries
  • Ledger download (CSV)

Protect & Control

  • Two-factor sign-in codes
  • No bank login needed
  • Sign-in email changes confirmed by email
  • Delete your data or your account anytime

Build Habits

  • Coins and badges
  • Streaks for staying on track
  • Optional leaderboard with a nickname
  • A guided tour and setup checklist

Try every feature free for 7 days

Journal included, no card needed. Keep the essentials free after that, or go Premium for $4.99 a month.