Take Control of Your Money — One Step at a Time.
Spare Finance helps you understand your spending, build better habits, and plan a stronger financial future — whether you manage money alone or with your household.
No credit card needed.
OverviewFinancial Overview
Spare Score
Combined view of spending, savings and debt
Expenses by Category
Distribution of total expenses
Cash Flow
Income vs Expenses comparison
Budget Status
Used vs remaining in your budgets
Recurring Payments
3 expense recurring payments
Savings Goals
Progress towards what matters
Subscriptions
3 subscriptions• $227.00/mo
| Service | Frequency | Plan | Amount |
|---|---|---|---|
Gym Membership | Monthly | — | $79.00 |
Netflix | Monthly | — | $99.00 |
Spotify | Monthly | — | $49.00 |
Net Worth Snapshot
Assets vs Debts over time
Investment Portfolio
Portfolio Value vs Total Cost over time
Welcome, John Doe
OverviewFinancial Overview
Spare Score
Combined view of spending, savings and debt
Expenses by Category
Distribution of total expenses
Cash Flow
Income vs Expenses comparison
Budget Status
Used vs remaining in your budgets
Recurring Payments
3 expense recurring payments
Savings Goals
Progress towards what matters
Subscriptions
3 subscriptions• $227.00/mo
| Service | Frequency | Plan | Amount |
|---|---|---|---|
Gym Membership | Monthly | — | $79.00 |
Netflix | Monthly | — | $99.00 |
Spotify | Monthly | — | $49.00 |
Net Worth Snapshot
Assets vs Debts over time
Investment Portfolio
Portfolio Value vs Total Cost over time
The Reality
Most Families Are Stuck.
You Don't Have to Be.
While most families struggle to make ends meet, you can be one of the few who break the cycle. Start building wealth, not just paying bills.
Of families live paycheck to paycheck—you don't have to
To see real change when you track and plan together
More likely to reach goals when the whole family is involved
Everything you need to take control
Spare Finance offers families unparalleled convenience with flexible financial management tools that fit any lifestyle. Households benefit from increased savings and better financial control.
Spare Finance
Card
$2,736.15
.... 5318
Track Every Expense Automatically
Connect your bank accounts and see where every dollar goes. No more guessing—know exactly what you're spending on groceries, bills, entertainment, and more.
Smith Household
2 members
John Doe
Owner
Jane Doe
Member
Manage Finances Together as a Household
Invite family members to your household and share accounts, budgets, and goals. Collaborate on financial decisions and track progress together in real-time.
Buying Car
10.02.2024
$13,500
+$1,500
Save Money with Clear Goals
Set savings goals and see exactly when you'll reach them. Track progress together as a family and celebrate milestones along the way.
Food & Dining
75%
Smart Budget Management
Set flexible budgets by category with real-time tracking. Get visual alerts when approaching limits and see progress over time.
Credit Card
30% paid off
Smart Debt Management
Track all debts with payoff strategies. Use avalanche or snowball methods, monitor interest, and optimize your debt payoff plan.
Total Portfolio
Investment Portfolio Tracking
Track positions, performance, and asset allocation to see your complete investment picture.
Starbucks Coffee
Uber Ride
Smart Transaction Categorization
Our intelligent system learns your spending patterns and automatically categorizes transactions. Just approve or adjust—it gets smarter over time.
Netflix
Monthly
$9.99
Spotify
Monthly
$4.99
Subscription & Planned Payments
Track all subscriptions in one place. Schedule planned payments and never miss a bill. Identify opportunities to save on recurring expenses.
Export to CSV
Download your data
Import from CSV
Upload spreadsheet
CSV Import & Export
Import transactions from spreadsheets or export your data anytime. Full control over your financial information for taxes, analysis, or backup.
A place where families learn to organize their finances together.
Start tracking your expenses today and learn to build wealth, not just pay bills.
Start Organizing Your FinancesWhy Families Choose Spare Finance
Stop Living Paycheck to Paycheck.
Start Building Your Future.
Activity
Month
75%
Daily payment 55%
Hobby 20%
• Complete Visibility
Know Exactly Where Your Money Goes
Stop wondering where your money disappeared. Track every expense automatically, see spending by category, and understand your patterns. Share this view with your family so everyone knows where you stand.
- See all expenses in one place, automatically categorized
- Understand spending patterns by category and time
- Share financial overview with family members
Financial Education
Learn to Save Money with Personalized Insights
Get your Spare Score to understand your financial health. Learn your savings rate, spending discipline, and receive insights based on your actual spending. Our AI chat helps you understand your finances better.
- Spare Score shows your financial health (0-100)
- Personalized insights based on your real spending
- Learn where you can save more money
Family Growth
Build Wealth Together as a Family
Set savings goals together and track progress. Manage household finances with shared accounts and budgets. Learn and grow financially as a family, not just as individuals.
- Set and track savings goals with your family
- Shared accounts and budgets for household management
- Work together toward financial goals
How It Works
How Your Family
Can Get Organized
Track All Your Expenses
Connect your bank accounts or add transactions manually. See where every dollar goes—groceries, bills, entertainment, everything. No more wondering where your money went.
Understand Your Spending
Get insights based on your real spending. See your Spare Score, understand your savings rate, and learn where you can save more. Our AI helps you understand your finances.
Learn to Save Together
Set savings goals with your family and see when you'll reach them. Create budgets that work and track progress together. Build wealth, not just pay bills.
Testimonials
Families Learning
to Grow Together
See how families are organizing their finances, learning to save, and building wealth together
For the first time, we know exactly where our money goes. We can see we spend too much on takeout and now we're learning to cook more at home. Our Spare Score is improving!
Maria & Carlos Silva
Family of 4, Toronto
We set a savings goal for our kids' education and can see exactly when we'll reach it. It's motivating to see the progress together as a family every month.
Jennifer & Mark Thompson
Family of 3, Vancouver
I finally understand my spending. The insights showed me I was spending $400/month on subscriptions I barely use. Canceled half of them and now saving that money.
David Chen
Montreal, Canada
We're learning to budget together. My partner and I can see all our expenses in one place and make decisions together. It's changed how we talk about money.
Sarah & James Wilson
Couple, Calgary
The Spare Score helped me realize I was living paycheck to paycheck. Now I'm learning to save 20% of my income and it's actually working. My score went from 45 to 72!
Roberto Martinez
Ottawa, Canada
We track everything as a family now. The kids can see where money goes and we're teaching them about saving. It's become a family activity.
The Johnson Family
Family of 5, Edmonton
For the first time, we know exactly where our money goes. We can see we spend too much on takeout and now we're learning to cook more at home. Our Spare Score is improving!
Maria & Carlos Silva
Family of 4, Toronto
We set a savings goal for our kids' education and can see exactly when we'll reach it. It's motivating to see the progress together as a family every month.
Jennifer & Mark Thompson
Family of 3, Vancouver
I finally understand my spending. The insights showed me I was spending $400/month on subscriptions I barely use. Canceled half of them and now saving that money.
David Chen
Montreal, Canada
We're learning to budget together. My partner and I can see all our expenses in one place and make decisions together. It's changed how we talk about money.
Sarah & James Wilson
Couple, Calgary
The Spare Score helped me realize I was living paycheck to paycheck. Now I'm learning to save 20% of my income and it's actually working. My score went from 45 to 72!
Roberto Martinez
Ottawa, Canada
We track everything as a family now. The kids can see where money goes and we're teaching them about saving. It's become a family activity.
The Johnson Family
Family of 5, Edmonton
Pricing
Try Spare Finance free for 30 days.
Explore every feature.
Build your first budget.
Add your household if you want.
Decide later if you want to continue.