Spence
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End-to-end encrypted · No ads, ever
Tell Spence “add $45 Shell Gas yesterday” and it's logged. Snap a receipt and every item adds up. Share a home with family, plan your year with your own AI CFO — and nobody, not even us, can read a cent of it.
One app, the whole picture
Scan a receipt and every item comes out with its price, weight and category — on a paper-style receipt you can check at a glance. A breakdown is only saved when it adds up.
“How much did I spend on groceries this month vs last month?” Spence answers from your own expenses, with the numbers that matter.
Insights splits your month into flexible spending and fixed bills, shows what’s left per day, and tells you whether you’re on pace.
Spence follows the same products across your receipts and stores, and shows how fast the prices you actually pay are rising.
Away from home, Spence asks “Part of a trip?” — it never guesses. Each trip gets its route, stops and totals, drawn right on your phone.
A home, a couple, roommates. Invite by email, see bills and day-to-day spending together, keep a shared budget and settle up in the fewest payments.
See what’s left over this month, your net worth, tax for the year, retirement and runway — with a health score that tells you where you stand.
Snap a shelf tag to follow a product’s price over time. Set an alert and Spence tells you when it drops.
Privacy by design
Every expense, trip, name and photo is locked on your phone before it syncs. The key never reaches our servers — a database leak, a backup, or the people who run Spence see only scrambled data.
And a lot more
Simple pricing
Swipe to see every plan →
Prices in USD; Google Play shows your local price. Cancel anytime in Google Play.
Questions
No. Your records are encrypted on your phone with a key that never leaves your control. Our servers store only sealed data plus the bare minimum needed to sync, like when something last changed.
Sign in on the new phone. If it was restored from your Google backup, your key comes along automatically. Otherwise, enter the recovery key you saved when you set up Spence.
No — by design. You log expenses in a line, a photo or a shared receipt, so there are no bank passwords to hand over.
When you scan a receipt or ask the Copilot, only what that request needs is sent to be processed. Nothing is used for advertising, and there are no ads in Spence.
A Family plan covers up to 6 people. Invite them by email into a shared space for your home, a trip or anything you split.
Yes. Export to CSV anytime, or create a PDF monthly statement.
Free on Google Play. Takes 30 seconds to start.
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