It explains the why
Ranked by what changed against your own normal month, not by what is biggest. It names the categories that moved it, so you learn what happened.
Stop letting money disappear by accident.
Most money apps tell you what you spent. Spendhog tells you why the month went the way it did: what actually changed, what was just a one-off, and whether you can still afford what you are saving for.
30 days free. No card, no bank login. 30 founder spots at CHF 8.99/month.
It goes through food delivery, groceries, kids' activities, subscriptions, holidays, card payments, cash and small everyday choices.
None of them look dangerous alone. But together, they shape the month, the year and the goals your household can realistically reach.
- Food delivery creeps up
- Kids' activities add up
- The holiday costs more than planned
- Subscriptions slip by unnoticed
- Small buys snowball
- Saving keeps getting postponed
These are the four things people say when they give one up. They are also the four things Spendhog was built around.
“The bank connection kept breaking.”
Spendhog never asks for your bank login. There is no feed to break when a bank changes something, and no bank, card or account that is not on the list, because you decide what goes in.
“It filed the pharmacy under shopping.”
You name your own categories and decide what belongs where. The app never guesses your life for you and then leaves you to correct it.
“It started to feel like a second job.”
Spendhog points at what actually changed this month, not at every coffee. It is here to make money visible, not to tell you off.
“Then the price went up again.”
Founders keep the price they joined at, for as long as they stay. Stop whenever you like and you can still open and export everything, forever.
Spendhog started as a spreadsheet called Poupanças, Portuguese for savings, kept for my own family.
We are five people, with shared expenses, kids' activities, holidays to plan and the occasional “let's just order food tonight”.
The spreadsheet helped us see the rhythm of our money.
Not to punish spending, but to make it visible.
Spendhog is that spreadsheet, rebuilt in Switzerland by a former CFO and a product designer who has spent a career on the software wealth and asset managers work in. A family project, then, but not an amateur one. Every real feature kept, the fragility gone, and a new layer on top: software that explains your own data back to you.
Spendhog keeps everything a good household spreadsheet did: several currencies, who spent what, bills that do not arrive every month. Then it adds the one thing a spreadsheet never could. It explains your own numbers back to you, in plain words.
Know where you stand
Every account, budget and person in one place, in every currency you hold. One honest number for what the household is actually worth today.
Know what changed
It points at what broke your normal month, not at the biggest number. The biggest number is always the rent, and the rent explains nothing.
Know what is coming
Where your balance is heading, built from your real history and the bills you already know about, and honest about how sure it is. And what happens to it if you take the raise, buy instead of rent, or push a goal back.
A score that shows its working
One number out of 100, from eight parts you can open one by one — each showing what was measured and what closing the gap would cost.
Try a decision before you make it
A raise, a mortgage, a car in March. Stack the changes and watch your balance. It runs on a copy, so your real numbers are never touched.
Ask your finances
Ask your financesProduct screenshotAsk it the way you would ask a person. It is optional, and it only ever sees totals — never a transaction, note or shop name.
Budgets that understand time
A bill every three months is not overspending in the month it lands. You are measured against how much of the period has actually passed.
Goals wired to real balances
A goal reads the real balance of the account behind it and tells you whether the date still holds, or which date does.
Forecasts that stay honest
It projects from your real history, spreads the once-a-year bills across the year, and says how sure it is. Below three months it will not project.
Money in more than one currency
Every account, expense and transfer carries its own currency. What the exchange really cost you is recorded as a cost, not quietly lost.
Everyone on the same page
Up to three people, one household. You choose who can change things and who can only look, and every entry shows who added it.
Everything is ranked by what changed against your own normal month, not by what is biggest. It names the categories that actually moved the month, so you learn what happened, not just that something did.
How Spendhog works
You already trust your spreadsheet, because it never left your own laptop. So this has to earn it: no bank login is ever asked for, the security is real, there are no third-party trackers on any page, and the data stays yours to take with you.
Only you can reach it
Your data is locked to your account deep inside the system, not merely hidden from view in the app.
Encrypted and backed up
Scrambled on the way to us and while it sits with us, backed up automatically, with a two-step login if you want one.
Nothing is held hostage
Take everything out as a spreadsheet file or a full backup, any time. Delete your account for good whenever you want.
The AI stays off
The assistant only turns on if you turn it on, and even then it never sees a single transaction, note or shop name.
Founder pricing
Normally CHF 99.90 a year
CHF 79.90 a year, billed annually. Founder price, locked for life.
Start 30-day free trial
30 days free first. No card, no bank login.
- Plain explanations of what changed this month
- The health score, with the arithmetic behind it
- What-if scenarios that never touch your real numbers
- Forecasts that tell you how sure they are
- Budgets that handle bills that are not monthly
- Goals that read your real bank balance
- Accounts in euros, francs and dollars
- Up to 3 people in the household
- The assistant, off until you want it
One plan, with everything in it. No tiers, no add-ons, nothing useful kept behind a higher price. The assistant is included, not sold separately.
Stop any time and you can still open and export everything, forever. Your data is never held hostage.
No. There is no auto-linked bank feed guessing your life for you. You decide what things are called and how they are grouped, and in exchange the app tells you why your numbers moved, not just that they did.