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Home » Store » Spendify: Smart Expense Manager Without Bank Linking

Spendify: Smart Expense Manager Without Bank Linking

TL;DR

Spendify Lifetime deal

Have you ever looked at your bank statement and thought, “How did all my money disappear?”

Not to worry anymore.

That’s where Spendify comes in, an expense manager lifetime deal that reads your bank statements in which no bank-linking is required and gives you powerful insights, budgeting that actually works, and features to safeguard and grow your money.

Spendify analyzes your bank statements, categorizes transactions, tracks your spending habits, and offers AI-powered insights, all without linking your bank account.
Whether you’re a student, freelancer, or small business owner, Spendify helps you take control of your finances with easy uploads, clear visualizations, and intelligent advice.

What It Does

Spendify is an intelligent personal finance assistant that analyses your bank statements (PDF, CSV, TXT), auto-categorizes expenses, tracks trends over time, gives security and health scores, and offers personalized tips and tools for smarter budgeting—all through an easy-to-use, fully mobile-optimized web app.

Intro Video

 Spendify is a smart, AI-powered expense manager that helps you track and manage your finances without linking your bank account.

Overview Images

budget tracker lifetime deal

budget planner lifetime deal

Key Features

1. Easy Statement Upload

– Upload up to 50, 200, or unlimited bank-statement documents per month, depending on your plan—no manual entry, no logging into your bank. Spendify parses all transaction data automatically and accurately.

2. Categories Analysis

– Visualize your spending with interactive charts. See how much goes to Housing, Food, Shopping, Transportation, and more—instantly identifying budget leaks with clarity.

3. Transactions Dashboard

– Filter and review every transaction in a clean, searchable table. Quickly find date, merchant, category, and amount so nothing slips through the cracks.

4. AI Financial Insights

Get intelligent feedback on your spending:

  • “Housing costs are 40% of your income—above recommended levels.”
  • “Your Shopping category is up 28% from last month.”
  • “Cut discretionary spending by $320/month to improve savings.”

5. Budget Planner

– Set category budgets using intuitive sliders—and get AI-backed suggestions to optimize spending habits. Want to save more or reduce waste? Spendify prompts you in real time.

6. Financial Goals

– Define goals like “Save $500 in 3 months” or “Cut food spending by 20%.” Watch progress bars move as you get closer.

7. Expense Comparison

– See how your spending changes over time or between categories. Pinpoint growth areas and adjust budgets month-to-month.

8. Alerts & Notifications

– Get proactive nudges when you go over your budget, surpass a threshold, or have an unusual transaction—so you’re always in the loop.

9. Saved Analyses Archive

– Store and revisit past statements, insights, and goals. Revisit trends, track progress, and stay motivated with financial history at your fingertips.

10. Advanced Financial Analysis (Ultimate Tier)

  • Security Score (0–100) with flagged transactions and safety tips
  • Recurring Payments tab to identify subscriptions and auto-payments
  • Cash Flow trends showing net inflow vs outflow over time
  • Merchant Breakdown for vendor-level spending transparency
  • Health Score reflecting financial wellness
  • Tax Analysis that auto-tags tax-relevant charges

11. AI Financial Advisor (Premium & Basic)

Type questions like:

  • “How can I optimize next month’s budget?”
  • “Am I paying too much for subscriptions?”
  • “How do I build an emergency fund?”
  • Get personalized, data-driven advice instantly—with the insight of a real finance coach.

money manager lifetime deal

Why Spendify Beats the Alternatives

Forget tying your finances to a bank or filling out receipts—Spendify reads statements directly. No login needed, no spreadsheets, no manual categorization.

Here’s how it stands out:

  • Automated uploads vs manual entry – No typing, no scanning—just upload and go.
  • Holistic analytics are not just snapshots—charts, trend analysis, cash flow, health, security, and tax insights.
  • AI-powered advice instead of static insights—Spendify adapts and proposes real solutions.
  • Tiered plans for real-life usage—budget appropriately for your needs.
  • Privacy-first by design—no bank linking, full statement control.

money budget planner lifetime deal

Use Cases:

  • Students tracking daily expenses and food budgets
  • Freelancers separating business vs personal spending
  • Young professionals setting financial goals and reducing recurring subscriptions
  • Micro-entrepreneurs understanding profit/loss from statement uploads

Product Roadmap (2025)

Already Launched:

  • AI Transaction Categorization
  • AI Financial Insights
  • Budget Comparison Tool
  • Saved Analyses Archive
  • Chart visualizations
  • Goal setting
  • Security Scoring
  • Suspicious Transaction Alerts
  • Recurring Payment Detection
  • Cash Flow Monitoring
  • Tax-Relevant Transaction Tagging
  • Merchant-level breakdowns
  • Financial Health Score

Coming Soon:

  • Android & iOS Apps
  • Shared Wallets
  • Email budgeting reports
  • Direct CSV export
  • Monthly Email Report
  • Professional Excel Dashboard
  • AI powered budgeting builder

Deal Terms:

  • Lifetime Access
  • Redeem your code within 60 days of purchase
  • 30-Days Money-Back Guarantee (For Non-Prime Members and Regular users)
  • 60-Day Money-Back Guarantee (For DealMirror Prime Members Only)

Intro Video

Roadmap & Use Cases:

Discount code auto-applied at checkout.

Spendify: Smart Expense Manager Without Bank Linking

One-time payment. Lifetime access.

What you get in this deal

Upload up to 50 statements/month
Basic AI categorization
10 saved analyses
AI Transaction Categorization

$39.00/$99.00 61% Saving

Select Plan Check Plan Details


30 Days Money-back Guarantee

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TL;DR

Spendify Lifetime deal

Have you ever looked at your bank statement and thought, “How did all my money disappear?”

Not to worry anymore.

That’s where Spendify comes in, an expense manager lifetime deal that reads your bank statements in which no bank-linking is required and gives you powerful insights, budgeting that actually works, and features to safeguard and grow your money.

Spendify analyzes your bank statements, categorizes transactions, tracks your spending habits, and offers AI-powered insights, all without linking your bank account.
Whether you’re a student, freelancer, or small business owner, Spendify helps you take control of your finances with easy uploads, clear visualizations, and intelligent advice.

What It Does

Spendify is an intelligent personal finance assistant that analyses your bank statements (PDF, CSV, TXT), auto-categorizes expenses, tracks trends over time, gives security and health scores, and offers personalized tips and tools for smarter budgeting—all through an easy-to-use, fully mobile-optimized web app.

Intro Video

 Spendify is a smart, AI-powered expense manager that helps you track and manage your finances without linking your bank account.

Overview Images

budget tracker lifetime deal

budget planner lifetime deal

Key Features

1. Easy Statement Upload

– Upload up to 50, 200, or unlimited bank-statement documents per month, depending on your plan—no manual entry, no logging into your bank. Spendify parses all transaction data automatically and accurately.

2. Categories Analysis

– Visualize your spending with interactive charts. See how much goes to Housing, Food, Shopping, Transportation, and more—instantly identifying budget leaks with clarity.

3. Transactions Dashboard

– Filter and review every transaction in a clean, searchable table. Quickly find date, merchant, category, and amount so nothing slips through the cracks.

4. AI Financial Insights

Get intelligent feedback on your spending:

  • “Housing costs are 40% of your income—above recommended levels.”
  • “Your Shopping category is up 28% from last month.”
  • “Cut discretionary spending by $320/month to improve savings.”

5. Budget Planner

– Set category budgets using intuitive sliders—and get AI-backed suggestions to optimize spending habits. Want to save more or reduce waste? Spendify prompts you in real time.

6. Financial Goals

– Define goals like “Save $500 in 3 months” or “Cut food spending by 20%.” Watch progress bars move as you get closer.

7. Expense Comparison

– See how your spending changes over time or between categories. Pinpoint growth areas and adjust budgets month-to-month.

8. Alerts & Notifications

– Get proactive nudges when you go over your budget, surpass a threshold, or have an unusual transaction—so you’re always in the loop.

9. Saved Analyses Archive

– Store and revisit past statements, insights, and goals. Revisit trends, track progress, and stay motivated with financial history at your fingertips.

10. Advanced Financial Analysis (Ultimate Tier)

  • Security Score (0–100) with flagged transactions and safety tips
  • Recurring Payments tab to identify subscriptions and auto-payments
  • Cash Flow trends showing net inflow vs outflow over time
  • Merchant Breakdown for vendor-level spending transparency
  • Health Score reflecting financial wellness
  • Tax Analysis that auto-tags tax-relevant charges

11. AI Financial Advisor (Premium & Basic)

Type questions like:

  • “How can I optimize next month’s budget?”
  • “Am I paying too much for subscriptions?”
  • “How do I build an emergency fund?”
  • Get personalized, data-driven advice instantly—with the insight of a real finance coach.

money manager lifetime deal

Why Spendify Beats the Alternatives

Forget tying your finances to a bank or filling out receipts—Spendify reads statements directly. No login needed, no spreadsheets, no manual categorization.

Here’s how it stands out:

  • Automated uploads vs manual entry – No typing, no scanning—just upload and go.
  • Holistic analytics are not just snapshots—charts, trend analysis, cash flow, health, security, and tax insights.
  • AI-powered advice instead of static insights—Spendify adapts and proposes real solutions.
  • Tiered plans for real-life usage—budget appropriately for your needs.
  • Privacy-first by design—no bank linking, full statement control.

money budget planner lifetime deal

Use Cases:

  • Students tracking daily expenses and food budgets
  • Freelancers separating business vs personal spending
  • Young professionals setting financial goals and reducing recurring subscriptions
  • Micro-entrepreneurs understanding profit/loss from statement uploads

Product Roadmap (2025)

Already Launched:

  • AI Transaction Categorization
  • AI Financial Insights
  • Budget Comparison Tool
  • Saved Analyses Archive
  • Chart visualizations
  • Goal setting
  • Security Scoring
  • Suspicious Transaction Alerts
  • Recurring Payment Detection
  • Cash Flow Monitoring
  • Tax-Relevant Transaction Tagging
  • Merchant-level breakdowns
  • Financial Health Score

Coming Soon:

  • Android & iOS Apps
  • Shared Wallets
  • Email budgeting reports
  • Direct CSV export
  • Monthly Email Report
  • Professional Excel Dashboard
  • AI powered budgeting builder

Deal Terms:

  • Lifetime Access
  • Redeem your code within 60 days of purchase
  • 30-Days Money-Back Guarantee (For Non-Prime Members and Regular users)
  • 60-Day Money-Back Guarantee (For DealMirror Prime Members Only)

Pricing

Basic

One-time payment. Lifetime access.

$39.00$99.00


Upload up to 50 statements/month
Basic AI categorization
10 saved analyses
AI Transaction Categorization
AI Financial Insights
Budget Comparison Tool
Saved Analyses Archive
Chart visualizations
Goal setting

Premium

One-time payment. Lifetime access.

$89.00$199.00


200 statement uploads/month
Full budgeting,
50 saved analyses
AI financial advisor (10 monthly queries)
AI Transaction Categorization
AI Financial Insights
Budget Comparison Tool
Saved Analyses Archive
Chart visualizations
Goal setting
Custom Categories

Ultimate

One-time payment. Lifetime access.

$299.00$499.00



Unlimited uploads and AI queries
Unlimited saved analyses
Priority feature requests & roadmap access
AI financial advisor (unlimited monthly queries)
AI Transaction Categorization
AI Financial Insights
Budget Comparison Tool
Saved Analyses Archive
Chart visualizations
Goal setting
Custom Categories

From The Founders

Spendify LOGO

Muhammad Aliyu

Founder

Hello and welcome!

I created Spendify because I was frustrated with how hard it was to make sense of my bank statements. I didn’t want to link my bank. I didn’t want to manually enter data. I just wanted an app that would read my statement and give me insights — clearly, safely, and smartly.

Whether you’re a student, freelancer, or small business owner, I built Spendify to help you manage money smarter, without stress.

Excited to have you onboard — and can’t wait to hear what you think!

Muhammad Aliyu
Founder, Spendify

FAQ's

Q 1 : How do I contact support?
A: You can contact support at- [email protected]

Q 2 : Do I need to link my bank account?
A: No, You simply upload your statement in PDF, CSV, or TXT format — Spendify handles the rest.

Q 3 : What types of banks are supported?
A: Any bank statement in standard PDF, CSV, or TXT format is supported. No bank linking needed.

Q 4 : Is the AI advisor truly helpful?
A: Yes, their financial AI identifies overspending, offers budgeting tips, and suggests savings opportunities based on your real data.

Q 5 : Will I lose my data if I upgrade?
A: No, all insights and uploads are saved under your account.

Q 6 : Are mobile apps available?
A: Not yet, but they’re launching soon for Android and iOS. In the meantime, the web app is fully mobile-friendly.

Reviews

2 reviews for Spendify: Smart Expense Manager Without Bank Linking

  1. Rated 5 out of 5

    Miriam A

    “Spendify helped me realize I was spending 28% of my income on food deliveries. The AI suggested a weekly budget — and it worked!”

  2. Rated 5 out of 5

    Damilola A

    Way better than manually tracking in Excel. Upload and done.

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