Understand why you spend.
SpendWhy syncs securely with your bank and keeps your financial data on your device — so you get clear answers about your money without giving up control.
Automatic bank sync
Connect your bank through regulated open banking (PSD2). Access is read-only and revocable anytime — transactions flow in on their own.
Private by design
Your ledger lives in an encrypted database on your device. Receipts are scanned on-device. We never sell your data.
Effortless organization
Accounts, categories and budgets stay tidy automatically, so you spend your time deciding — not typing in numbers.
Receipt scanning
Snap a receipt and on-device text recognition pulls out the details. The photo never leaves your phone.
Your money, your data
SpendWhy is built privacy-first: your financial records stay encrypted on your device, and the cloud is used only for sign-in and the optional bank-sync feature, hosted in the EU.
Read our Privacy Policy →