Personal + Business, one app
Your money and your business, finally in one place.
Track your money and run your business from one app. Budgets, bills, net worth, sales, invoices, stock, expenses and a free online store — with a financial health check that tells you where you stand.
- people tracking their money
- 1,500+
- people tracking their money
- businesses recording sales
- 500+
- businesses recording sales
- currencies supported
- 161
- currencies supported
Net worth
₵24,580
+₵2,710vs last month
Two profiles, one app
Stop mixing personal and business money.
Most small business owners run everything from one pocket. Spend gives you two separate profiles, so you always know what's yours and what belongs to the business.
- Personal FinanceBudgets, savings, bills and expense tracking for your own money.
- BusinessSales, invoices, expenses and inventory for the business you run.
Switch with one tap. Your data stays separate for each profile.
Spend Personal
Know where every cedi goes.
Track accounts, spending, bills and goals in one calm place, and see your full picture without spreadsheets.
- Net worth at a glance
- See every account — cash, mobile money, bank, loans — and what you're actually worth today.
- Budgets that keep you honest
- Set a monthly budget and watch it fill up as you spend, before the month gets away from you.
- Bills & receivables
- Never miss a bill. Track money you owe and money owed to you, with reminders before due dates.
- Subscriptions on autopilot
- Log recurring subscriptions once. Spend reminds you before renewal and records the payment for you.
- Savings goals
- Put money aside for what matters and see your progress toward each goal.
- Trends & insights
- Understand where your money goes with clear breakdowns by category and month.
Financial health check
Find out how healthy your finances really are.
Spend looks at your income, spending, savings, debts and bills, then gives you a score with plain-language explanations of what's going well and what needs attention.
- A clear score out of 100, not a wall of numbers
- Explains each indicator and how it was rated
- Re-check every month and watch your progress
Your health score
72/100
Good, and improving
- Emergency fundGood
- Income vs expensesFair
- Debt to assetsGood
- Unpaid billsWatch
Spend Business
Run your business from your pocket.
Built for shops, traders, freelancers and growing teams. Record a sale in seconds, keep stock accurate, and always know if you're making a profit.
- Sales & invoices
- Record quick sales or send proper invoices, and track what's been paid.
- Orders & quotes
- Turn quotes into orders and orders into sales without re-typing anything.
- Products & services
- Stock levels update with every sale and restock. Services have prices, not stock.
- Online store
- A free store link where customers browse, order and request quotes.
- Customers
- Keep customer details and purchase history in one place.
- Expenses & reports
- Categorise spending and see sales, expenses and profit for any period.
Spend Store · New
Your shop online, with one link.
Every Spend Business account comes with a free online store. Customers browse what you sell and send orders or quote requests, and you handle them in the app you already use.
- 1
Add what you sell
Products with photos and prices, or services with a fixed price, a starting price or price on request.
- 2
Pick your link
Choose a name for your store, like spendstore.app/amas-fabrics, and switch it on.
- 3
Share it anywhere
Post it on WhatsApp, Instagram or your flyers. Orders and quote requests come straight to Spend.
spendstore.app/your-shop
Free · No payment setup · Set up from the app or the web
Reviews
Rated 5 stars by people who use it every day.
“All business owners should get this app. It helps you generate invoices, receipts and also track your sales and expenses as well. I love ittt”
“App is very easy to use, efficient, the UI is simple and sleek. The tracking of expenses is top notch. Kudos”
“My go-to app for tracking expenses. UI is very neat, making the entire experience using this app nothing short of a delight.”
“Exceptional app”
Spend Service Center
Need something built for your business?
Boost your business with custom solutions from the creators of the Spend app. Pick a service and tell us what you need.
Request a service
- Bulk SMS SolutionSend promotional or transactional messages to your customers in bulk. Ideal for updates, reminders, and marketing campaigns.Request
- Business Email SetupIncludes custom domain name and professional email setup (e.g., you@yourcompany.com). Great for building credibility with customers.Request
- Business RegistrationAssistance with registering your business with the relevant authorities. Includes name search, document preparation, and filing.Request
- Logo & Branding DesignProfessional logo and brand identity design tailored to your business vision. Includes color palettes, fonts, and usage guidelines.Request
- Website DevelopmentWe design and build modern, responsive websites to showcase your business online - It includes domain setup, hosting, and basic SEO.Request
FAQ
Questions, answered.
Is Spend free?
Yes — you can download Spend and start tracking your personal and business finances for free.
Can I use it for both personal and business money?
Yes. Spend has two separate profiles — Personal and Business — and your data is kept separate for each. Switch between them with one tap.
Which currencies are supported?
Spend supports 161 world currencies, including GHS, NGN, KES, USD, GBP and EUR. Set your default currency and Spend uses it everywhere.
Is my data safe?
Your data is stored securely and only you (and the team members you invite to your business) can see it. We never sell your data.
Do I need a website to sell online?
No. Spend Business gives you a free online store at spendstore.app/your-shop. Customers browse your products and services and send orders or quote requests; you confirm them in the app. There are no payment fees — customers pay you the way they already do.
Can my staff use the business profile?
Yes. You can invite team members to your business so they can record sales and expenses.
How do I delete my account?
Go to our Delete account page, enter the email on your Spend account and confirm using the link we email you. Your data is permanently removed within 90 days.
Take control of your money today.
Download Spend for free on iPhone or Android and set up in minutes.
