$pend helps you plan every bill you can see coming — weekly, monthly, quarterly, annual, even the ones that land every few years.
- No bank linking. Nothing to connect, nothing to authorise. You type in what you know.
- No subscription. Pay once. That's it.
- Data not collected. No analytics, no ad networks, no third-party SDKs of any kind.
Where your data lives
On your iPhone, and in your own private iCloud — the same place your photos and notes sync. There is no $pend account, no login, and no $pend server. We have no way to see what you enter, because it never reaches us.