Automatic entries
Payments become entries by themselves, with the shop, amount, date and a suggested category. You only step in when something is new.
Know where your money goes.
MySpend builds a clear picture of your money for you. Keep budgets and bills on track, and share costs with friends, all in one simple app that keeps your entries on your phone.
- Free for the first month
- No ads
- Android
AutomaticEntries appear on their own
PrivateYour entries stay on your phone
SharedSplit costs with groups
CalmNo ads, no bank login
What you get
Everything you need to know where your money goes
MySpend keeps the work small, so tracking your money stops being a chore.
Clear spending picture
See what you spent this month, what came in, and what is left, with a day-by-day view and simple charts.
Budgets that warn you
Set a limit for the month or for a category. MySpend tells you when you reach 80% and when you use it up.
Bills and recurring payments
MySpend spots payments that repeat, like rent, subscriptions and utilities, and shows what is coming up next.
Split with friends
Create a group for a trip, a home or a lunch club. Add expenses, see who owes whom, and settle up in a tap.
Backs itself up
Turn on automatic backup once, with a passphrase only you know. MySpend keeps an encrypted copy in your own Google Drive up to date. Lose your phone or remove the app, and you can get everything back.
Make it yours
Create your own categories and tags and give each one an icon and a colour, so your spending looks the way you think about it.
Set up in seconds
Tell MySpend the name your bank's messages come from, like CITYBANK. When the first message arrives, set it up in a tap, or skip it if it isn't a payment.
Private by design
Your entries live in an encrypted database on your phone. No ads and no tracking. Back up to your own Google Drive, encrypted.
How it works
Set it up once, then let it run
- 1
Allow alert access
Turn on notification access yourself. MySpend explains what it reads and what it never does before you do.
- 2
Add your bank's name
Type the sender name as it shows in your messages app, like CITYBANK. That is all MySpend needs to start.
- 3
Set up the first message
When it arrives, MySpend tells you. Tap Set up, and from then on payments like it are added for you.
- 4
Plan and share
Add budgets, track bills, and start a group when you spend with others.
A look inside
Simple, clear and easy on the eyes
The screens below show sample data.
Splits
Share costs without the awkward maths
Make a group, add what everyone paid, and MySpend works out who owes whom. When you pay each other back, record it and the balances update.
- Invite people with a code or by email
- Choose who shares each expense
- See a clear balance for every person
- Only the amount, description, date and who paid are shared. Your alerts never are.
Signing in with Google is only needed for groups. The rest of the app works without it.
Privacy
Your money is your business
MySpend is built to need as little of your data as possible.
On your phone
Entries are stored in an encrypted database on your phone, protected by a key held by Android.
No bank connection
No bank login, no SMS inbox access, no ads and no tracking tools.
You choose what leaves
Data only leaves your phone when you decide: signing in, adding to a split group, setting up a source, or backing up to your own Drive.
Delete any time
You can delete your account from inside the app. Your data on your phone is yours to clear or uninstall.
Encrypted backups
Backups are encrypted with a passphrase only you know and saved in your own Google Drive. Turn on automatic backup and they update by themselves.
Plain words
The privacy policy says exactly what is kept and what is sent, in language you can read.
Questions
Good to know
Does MySpend connect to my bank?
No. MySpend never asks for a bank login. It reads payment alerts that already arrive on your phone, only after you allow it.
Does it read my messages?
MySpend uses Android's notification access, which you turn on yourself. It does not use the SMS permission or read your SMS inbox. It ignores notifications from other apps and keeps only the ones from a source you set up.
Where is my data stored?
Your entries are stored in an encrypted database on your phone. Group expenses are stored in the cloud so other members can see them, but only the payment details: never your alerts, balances or other entries.
Can MySpend back up my data by itself?
Yes, if you turn it on. After you sign in with Google, MySpend offers to keep an encrypted copy of your data in your own Google Drive and update it whenever something changes. You choose a passphrase once. If you ever remove the app or lose your phone, sign in again and enter the passphrase to get everything back.
Can I use my own categories and tags?
Yes. Add your own categories and tags, and give each one an icon. Built-in categories can be changed too.
Do I need an account?
No. MySpend works fully without signing in. Signing in with Google is only needed for Google Drive backup and split groups.
What happens after the free month?
You keep all your entries and can add new ones by hand. Automatic entries and a few smart features need Premium. Alerts that arrive meanwhile wait encrypted on your phone for up to 90 days, and are added if you unlock Premium.
Which currencies does it support?
You choose your own currency in the app, so it works wherever you are.
How do I delete my account?
In the app, open your profile and choose Delete account. You can also use the account deletion page.
Is there an iPhone version?
Not yet. MySpend is for Android.