It's a zero-based budgeting app for iPhone, made in Portugal. The name means spending with intent. It connects to your bank and brings in your transactions automatically. Before you spend, you decide where every euro of the month goes. It's coming to the App Store in December 2026.
Coming in December
Take control of your money.
Connect your banks once. Transactions come in automatically and you decide where every euro goes.
Notify me- Portuguese and European banks
- Transactions come in on their own
- Read-only access
Bank connection under PSD2. Data stored in the EU, in ISO 27001 certified data centres. Learn more
9:41
October
Ready to assign
€1,850.00
Expected€1,850.00Reserve€320.00
To cover
Transport−65 of €50Cover−€15.00
Essentials
Home€650All spent
Utilities−87.40 of €135€47.60
Groceries−87.70 of €250€162.30
Health€40.00
Everyday
Restaurants−82.80 of €120€37.20
BudgetActivity3AccountsInsights
Connect your banks once.
New transactions come in on their own, and you can refresh whenever you want. You don't have to write anything down.
Revolut
Santander
ING
BNP Paribas
Deutsche Bank
Intesa Sanpaolo
N26
It's the 20th and your salary is gone.
It went little by little, on things you never really chose.
You're not the only one.
29% of people in the European Union can't pay an unexpected expense.
Your bank shows what you've already spent.
You only find out how much you spent on dinners out when the month is already half over. By then, it's too late to choose.
Your balance looks bigger than it is.
You have €900 in your account, so you say yes to a weekend trip. The rent and the car insurance haven't been paid yet.
The spreadsheet doesn't last until March.
In January you write everything down. By March you don't even open the file.
Give every euro a job.Before you spend it.
That's called zero-based budgeting.
Left to assignOctober
€0.00All assignedExpected in October€1,850.00
Home€650.00Utilities€135.00Groceries€250.00Everyday€325.00Health€40.00Savings€450.00
The shoes on sale can wait.
Saturday afternoon, shoes at 40% off. You know that money is already meant for your August holiday. You leave the shoes in the shop and walk out with no regrets.
Holidays€450.00Overspent? Take it from another category.
Groceries cost more this month. You move €20 from eating out to groceries, and the rest of the month still adds up.
Restaurants−25 of €85€60.00Groceries€270All spentThe money for Friday's dinner is already there.
Your friends plan a dinner for Friday. You don't need to check your balance or do any calculations. Money for eating out has been set aside since the start of the month, so you say yes right away.
Restaurants€105.00
- +72%
When money has a purpose, it's harder to spend it on something else.
In a study published in the Journal of Marketing Research, people who split their savings into two envelopes saved 72% more than people who kept them in one.
Soman and Cheema (2011), Journal of Marketing Research. - −15%
People who track their spending spend less.
In a study, people who compared their spending with their usual month spent 15% less on non-essentials. For someone taking home €1,850, that would be about €41 a month.
Levi (2026), a trial with 3,138 people in the US. Estimate: 15% of €275 for day-to-day spending, without transport. What you save depends on you.
Inês's October.
Inês is 31, lives in Lisbon and earns €1,850 a month. She wants to save for a summer holiday without giving up dinners with friends. Here's how her first month with SpendIntent went.
Fictional person and figures- Day 1
October begins.
Inês connects her bank, and her transactions from the last few months appear right away. The app recognises that the €250 she moved to Revolut wasn't spent. It's still her money.
9:41To reviewToday
Pingo Doce · LisboaCurrent account−€34.12GroceriesYesterdayLooks like a transfer between Current account and RevolutRevolutCurrent account−€250.00Top-upRevolut+€250.00AcceptNot a transfer
Repsol · MalveiraCurrent account−€58.40Fuel
Uber · LisboaCurrent account−€8.40Transport - Day 1, evening
One coffee, and the plan is done.
The app looks at her spending in August and September and suggests the categories she already uses. Inês budgets her €1,850 salary even before it arrives. She puts €450 aside for the holiday and leaves money for dinners with friends. She assigns the rest until every euro has a job.
We found 9 categories in your transactionsBased on August and September. Tap a name or an icon to change it.EssentialsFuel9 transactions · ≈ €97/month · Repsol, GalpCar7 transactions · ≈ €38/month · Via VerdeEverydayFood delivery4 transactions · ≈ €22/month · GlovoSubscriptions6 transactions · ≈ €27/month · SpotifyBooks and news1 transaction · ≈ €15/month · BertrandCreate 8 categoriesNot now - Day 14
Metro strike.
Inês uses Uber for two days. The rides go into Transport automatically, and Transport goes €15 over budget. She prefers to take it from restaurants and leave the holiday savings untouched.
9:41OctoberPlanAll assigned€1,850.00Expected€1,850.00Reserve€320.00To coverTransport−65 of €50Cover−€15.00Cover withRestaurants−€15Cover €15ChangeEssentialsHome€650All spentGroceries−87.70 of €250€162.30EverydayTransport€65All spentRestaurants−82.80 of €120€37.20Coffee−23.60 of €30€6.40BudgetActivityAccountsInsightsCovered with RestaurantsUndo - Day 31
End of the month, no surprises.
The €450 for the holiday is still there, and there's €14.20 left over for groceries. Inês ate out as often as she planned and reaches the 31st without counting every cent.
Savings€450.00Groceries−235.80 of €250€14.20Transport€65All spentRestaurants€105All spent
This is how it starts.
Install the app and make your first plan the same day.
Email us and we'll let you know when the app launches.
Search for SpendIntent in the App Store on your iPhone.
Choose your banks and authorise each connection on the bank's website or app. From then on, your transactions come in automatically. You can also import a CSV, Excel or OFX statement.
The app suggests the ones you already use, based on your last few months of spending.
Give every euro of your salary a job, from rent to holidays.
9:41
Connect bank
PortugalSearch banksE.g. Santander
You authorise it on your bank's website. We only read balances and transactions: we never make payments.
ActivoBank
BPI
Caixa Geral de Depósitos
Millennium bcp
novobanco
SantanderThe app never touches your money.
The bank connection is read-only.
- PSD2
- GDPR
- Data in the EU
- Read-only
We never see your password
You authorise the connection on your bank's website or app. The provider that makes it is registered and supervised under PSD2, the European open banking law.
Encrypted on your phone
Your data is stored encrypted on your device. The app works offline too.
In the EU, under GDPR
Your budget and transactions are stored in the European Union, in ISO 27001 certified data centres, and protected by GDPR.
No ads
Your subscription pays for the app. There are no ads anywhere.
Your first 14 days are free.
These prices apply from launch, in December 2026. You keep the founder price for as long as you renew.
- Only until 31 March 2027FounderSave €23.89 a year€5.00/month
€59.99 a year
- After 31 March 2027Annual€5.83/month
€69.99 a year
Until then, annual is at the founder price.
- Monthly€6.99/month
billed every month
The app arrives in December 2026. Leave your email and we'll tell you on the day.
Frequently asked questions.
The main Portuguese banks, such as CGD, Millennium bcp, novobanco, Santander, BPI and ActivoBank, and over 2,000 banks in 29 European countries, including Revolut. If yours isn't listed, export a statement from your online banking and import it as a CSV, Excel or OFX file.
No. Once your bank is connected, new transactions come in on their own, and you can always refresh by hand. It suggests a category for many of them, and you confirm.
Yes, usually after three months. You then authorise it again on your bank's website or app, and your accounts and transactions stay as they are.
It means giving every euro of the month a job before you spend it. It's called zero-based because no euro is left without one. Saving counts too, so you don't have to spend it all.
Only if you want to. Eating out can have money set aside in your plan, just like rent. You decide how much at the start of the month, and then you spend it without guilt.
Yes. You can see and change your budget on the metro or on a plane, and everything updates when you're back online.
Your first 14 days are free. After that, you pay €6.99 a month or €69.99 a year. If you subscribe by 31 March 2027, you pay €59.99 a year for as long as you renew.
For now, it's iPhone only.
Portuguese, Spanish and English.
Your transactions come in from the bank automatically, and the app suggests a category for many of them. So your plan still works in March.