SpendMind — The Shared Budget App for Couples

Everything two people need to budget together

Made for couples and families. Works just as well solo.

Budget Planning

Assign every dollar a purpose with zero-based budgeting. Plan by category and stay in control.

Shared Budgets, Live

Both of you (or your whole family) see the same plan in real time. No more "did you see what we spent?"

Savings Goals

Set targets, track progress, and celebrate milestones as you build your savings together.

Smart Reports

Beautiful charts and exportable reports that make your financial story crystal clear.

Designed to delight

Every screen crafted with care — from dashboard to reports, managing money feels effortless.

Built in Johannesburg. For couples everywhere.

If you've ever sat down on a Sunday night to "figure out the budget" and ended up arguing with your partner over a Google Sheet that only one of you understands — this is the app I wished existed.

SpendMind started in my own household, in Johannesburg. We tried YNAB (too complex for my partner), Mint replacements (wanted our bank logins), and spreadsheets (you know how that ends). I'm a developer, so I built what we actually needed: zero-based budgeting that's simple enough to share, no bank linking, works offline, and reports that actually look good when you open them.

It's still just me building it — no VC, no growth team, no dark patterns to keep you subscribed. Every feature exists because my own household uses it. If something's broken or missing, you can email me and I'll usually reply within a day.

Frequently asked questions

Everything you need to know before you download.

SpendMind is free to download. The free tier covers one budget, 12 months of history, and CSV exports — enough to budget seriously on your own. Premium is $4.99/month or $49.99/year and unlocks household collaboration (up to 3 members), unlimited budgets and history, Excel and PDF reports, and advanced analytics. No ads on either tier.

SpendMind is built for couples who want to plan their money together — and works just as well for families or solo budgeters. If you've tried spreadsheets and given up, or tried apps that felt like accounting software, this is the in-between you've been looking for: structured enough to be useful, simple enough that you'll actually keep using it together.

Both use zero-based budgeting — the idea that every dollar of income gets a job before you spend it. The difference is who it's built for. YNAB is built for individuals who want deep control and don't mind a learning curve. SpendMind works just as well solo, but it's built so couples and households don't need one designated "money person" — it's simpler, designed to be shared, and costs less. If your partner has ever given up on a budgeting app, try this one.

No, and you can't even if you wanted to. SpendMind never asks for bank logins, card numbers, or account access. You log expenses yourself — which takes a few seconds per transaction and keeps your financial data on your phone, not on a third-party aggregator.

Yes — household collaboration is included with Premium. Invite up to 3 people to share a budget. Everyone logs their own expenses and sees updates in real time, without sharing a login.

Yes, fully. Add expenses, check budgets, and review analytics without an internet connection. Everything syncs the next time you're online — useful when you're at the till and the signal drops.

Your data stays put. You'll lose access to Premium features (extra budgets, household sharing, Excel/PDF reports) but your existing budget and history remain readable on the free tier. You can re-subscribe anytime and pick up where you left off.

iPhone (iOS) and Android. Your data syncs across your own devices when signed in. SpendMind supports all major currencies — pick yours when you set up your first budget.

Same budget. Same page. No arguments.