See your budget
with clarity
AI-powered spending insights, natural language Q&A, and proactive alerts layered on top of the YNAB workflow you already love.
Free during beta · No credit card required
The intelligence layer YNAB is missing
Keep budgeting in YNAB. Get smarter insights here.
Ask your budget anything
"How much did I spend on dining out last month?" "Am I on track for my savings goal?" Get instant answers in plain English, powered by AI that understands your YNAB data.
Anomaly detection
Automatically spots unusual spending patterns before they become problems. Get alerted when a category spikes beyond your normal range.
Category trends
See how your spending evolves over time with visual trend charts. Understand seasonal patterns and long-term shifts in your budget.
Monthly AI summaries
Get an AI-written recap of your month: what went well, where you overspent, and actionable suggestions for the month ahead.
Up and running in minutes
Three steps. No data migration. Your YNAB workflow stays exactly the same.
Create your account
Sign up with your email. Takes less than 30 seconds.
Connect YNAB
Securely link your YNAB account via OAuth. We never see your YNAB password.
Get insights
Your data syncs automatically. Start asking questions and exploring trends.
Your budget data deserves
a smarter lens
Join the beta and start uncovering insights hidden in your YNAB data.
Spendfully is not affiliated with, endorsed by, or sponsored by YNAB (You Need A Budget). YNAB is a registered trademark of You Need A Budget LLC. Your data is encrypted at rest and never shared with third parties.