Record by typing
"Spent $18 on gas yesterday." Journal fills in the amount, date and category and shows you a card to Save.
Plan · Track · Save
Just tell it what you spent.
MySpendJournal plans your month and keeps it current. Type a purchase, a bill, or a question in your own words, and Journal, the built-in AI assistant, records it, answers from your own numbers, and shows you what's safe to spend. No bank login needed.
Nothing saved without your tap
No bank login needed
PDF & CSV imports
Your Day at a Glance
Know what's safe to spend, every day
Your dashboard starts with one number: the money you've received this month, minus what you've paid and the bills and savings still due. What's left is yours for everyday spending, shown per day too. Right beside it, Coming up lists the bills and pay due this week, overdue first, so nothing sneaks up on you.
- See exactly how the number is worked out
- Mark a bill paid right from the list
- A cash-flow forecast shows your lowest balance ahead
Meet Journal
An assistant that does the busywork, and asks before it saves
Talk to Journal like you'd text a friend who's good with money. Every number comes from your own records, and every change waits for your tap.
Ask about your money
"How much did I spend on groceries last month?" Answers come from your own entries, not guesses.
Charts on request
"Show my spending by category." Journal draws the chart right in the chat, with a table view too.
Goals with a plan
"Save $10,000 for a house by May." Journal works out the monthly amount and can set it up for you.
What-if questions
"Can I afford a $400 weekend trip?" See what's left in your plan before and after.
Undo and settings
Changed your mind? Undo for 10 minutes. Journal can also adjust alerts, limits and goals, or open the right page.
Journal uses AI from Anthropic. It gives information about your own records, not financial advice.
How It Works
Plan for the expected. Record what happens. Adjust as you go.
One simple loop, every month, so you always know where you stand and what needs attention next.
📝
1. Plan your month
Add your pay and bills once; repeating ones fill in automatically.
📊
2. Set flexible spending
Pick monthly amounts for groceries, gas, dining out and more.
💬
3. Record what happens
Tell Journal, add it by hand, or import a PDF or CSV statement.
🎯
4. Save toward goals
See how much a month each goal needs, and track the progress.
✅
5. Check and adjust
Safe to spend, plan vs actual, and a month in review each month.
See It in Action
Your plan and your progress, side by side
Compare what you planned with what really happened, review imported rows before they're saved, and spot where your money goes with clear charts.
Open the gallery
Safe to spend and Coming up, first thing on your dashboard.
Your plan next to what really happened.
Compare planned entries with what actually happened.
Import statement activity and review every row before saving.
Built on Trust
You stay in control of your money and your data
Nothing changes without you
Journal drafts; you decide. Nothing is saved until you tap Save, and you can undo.
Real numbers, not guesses
Totals and charts come from your own records. The AI explains them; it doesn't make them up.
No bank login needed
Import statements yourself. MySpendJournal never asks for your online banking password.
Private and protected
Two-factor sign-in, and Journal conversations aren't used to train AI models.
Pricing
Start free. Upgrade when it earns its keep.
Try everything, Journal included, free for 7 days.
Free
$0
Plan your month and keep the essentials.
- Your monthly plan: planned income and bills, as many as you need
- Up to 100 recorded transactions
- Safe to spend and Coming up on your dashboard
- Spending limits and savings goals
- PDF and CSV statement imports, reviewed before saving
- Two-factor sign-in
Premium
$4.99 a month
or $49.99 a year (about two months free)
- Everything in Free
- Journal, the AI assistant: record, ask, chart and plan in plain words
- Unlimited transactions
- Dashboard reports: plan vs actual, budget health, trends
- Email alerts, weekly recap, month in review, smart nudges, push notifications
- Google Calendar sync and calendar export
- Ledger download (CSV)
- Coins, badges and the leaderboard
Every new account starts with 7 days of Premium, no card needed. Cancel anytime; Premium lasts to the end of the period you paid for. Journal allows up to 50 messages a day.
Your money, in plain words
Plan your month in minutes, record spending as fast as you can type it, and always know what's safe to spend.
Start Your Free 7-Day TrialApp Links
Get MySpendJournal
Use MySpendJournal on the web, your phone, or download from supported app stores.