mSpendVanta
Your Spend Vantage Point.
Most of us see our money one statement, one receipt and one surprise bill at a time. mSpendVanta steps you back to the view that matters — what you spend, how it compares with your budget, and which bills are coming — so you can see where your money is really going.
For Mac, with a free companion app for iPhone.
No bank logins
mSpendVanta never asks for your bank password. It works from the statement files your bank already lets you download.
Your data stays yours
Everything lives on your Mac and in your own iCloud account. There are no mSpendVanta servers and no accounts to create.
Mac and iPhone
Import and organize on your Mac, then check your spending, budget and bills from your iPhone wherever you are.
A simple routine that gets quicker every time
Most people repeat this once a week or so. Once your rules are set up, it takes just a few minutes.
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Download
Download statement files from your bank's and credit card's websites. OFX and QFX (Quicken) files work best, and CSV is supported too.
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Import
Import them into mSpendVanta. New accounts are set up for you, your current balance is picked up, and transactions you've already imported are skipped.
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Categorize
Match new transactions to a vendor and a category. Rules remember your choices, so each import sorts itself a little more than the last.
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Review
See your spending, how you're doing against your budget, what bills are coming up and where your balances are heading — on your Mac and your iPhone.
Everything you need to see your spending clearly
mSpendVanta focuses on what you spend and where it's heading — not net worth or investments.
Categorize once
Mapping rules recognize vendors automatically. Anything new waits in Unmatched, so nothing slips through.
Ignore what isn't spending
Leave out transfers between accounts and credit card payments, so the same money is never counted twice.
Budgets from real spending
mSpendVanta estimates your recurring bills and everyday spending from your history, then turns them into a budget you can adjust.
See how the year is going
Compare each category with its budget month by month, see where any overspending comes from, and where the year is heading.
Never miss a bill
Track what's due and when. Payments are matched as you import, and any that come in higher than expected are flagged.
Balances at a glance
See every account's latest balance and an estimate of where it will be at the end of the month — without logging in to each bank.
Smart suggestions, on device
On Macs with Apple Intelligence, mSpendVanta can suggest vendors and categories. It all runs on your Mac.
Try it with sample data
Explore a fully set-up example — a year and a half of transactions, budgets and bills — before you import anything of your own.
Try it free, then choose your plan
Explore everything with sample data for free. When you're ready to use your own data, start a one-week free trial of a subscription, or buy it once.
Monthly
Billed every month. Cancel anytime.
Includes a 1-week free trial for new subscribers.
Annual
Billed once a year — the best value for a subscription.
Includes a 1-week free trial for new subscribers.
Lifetime
Pay once and keep every feature. No subscription.
One-time purchase.
Prices are shown in the App Store in your local currency. Purchases are made through your Apple Account, and subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. The iPhone companion app is free.