Spendika

Spend. Save. Plan.

Track expenses. Plan your budget.Keep more of your money.

Spendika is an expense tracker and budget planner that helps you scan receipts, organise spending, monitor subscriptions and plan what you can safely afford.

Start Free Explore Free Tools
Expense TrackerBudget PlannerSubscription TrackerReceipt Scanner

This month

£432.60

Spent

Budget

£650

Remaining

£217.40

12% less than last month

Spain Holiday

£1,240 / £3,000

41%

£220 needed this month

Spendika Insight

Eating out is £86 higher than usual. Reducing it by £50 would cover part of this month's holiday target.

Groceries

£68 left

Subscriptions

£25.97/mo

Recent activity

Tesco

Groceries

-£64.20

Fuel

Transport

-£52.00

Netflix

Subscription

-£10.99

Spendika pillars

Spend. Save. Plan.

Spendika helps users understand today's spending and tomorrow's plans in one clean personal-finance workspace.

T

TRACK

See where your money goes

Scan receipts, add expenses, track subscriptions and categorise spending without turning money tracking into another job.

  • + Scan receipts
  • + Add expenses
  • + Track subscriptions
  • + Categorise spending
U

UNDERSTAND

Spot what is changing

Use dashboards, budgets, trends, alerts and AI insights to catch changes before they become problems.

  • + Spending dashboard
  • + Budget tracking
  • + Trends
  • + AI insights
P

PLAN

Plan what comes next

Turn holidays, larger purchases and savings targets into monthly numbers you can actually work with.

  • + Savings goals
  • + Holiday planning
  • + Larger purchases
  • + Monthly targets

How it works

From spending to a plan

Track what happened, understand what changed, then plan what comes next.

1

Track

Scan receipts or add spending manually.

2

Understand

See where your money goes and what is changing.

3

Plan

Build budgets and savings goals for what comes next.

Savings goals

Turn plans into achievable goals

Set a target, choose when you want to reach it and let Spendika show you what you need to save.

HolidayNew carWeddingHome improvementNew laptopEmergency fund

Spain Holiday

£1,240 saved

41%

Target

£3,000

Saved

£1,240

Remaining

£1,760

Time remaining

8 months

Needed each month

£220

Milestone

On track

Progress41%

Spendika Insight

You're spending about £186 per month on eating out.

Reducing that by £50 per month would cover around 23% of your monthly Spain holiday savings target.

Free money tools

Useful calculators to help you plan before you spend.

Featured free tool

Holiday Budget Calculator

Estimate the real cost of your holiday and work out how much you need to save each month.

Plan Your Holiday
+

Monthly Budget Calculator

Plan income, bills, spending, and savings.

Open tool
+

Savings Goal Calculator

Work out how much to save each month.

Open tool
+

Emergency Fund Calculator

Estimate a practical safety buffer.

Open tool
+

Debt Repayment Calculator

Find your debt-free timeline.

Open tool
+

Subscription Cost Calculator

Reveal monthly and yearly subscription cost.

Open tool
+

Car Cost Calculator

Estimate real monthly car ownership cost.

Open tool

Ask Spendika

Ask questions about spending, budgets and goals.

Spendika AI connects spending to consequence and then to a goal, so insights become practical next steps.

How much did I spend eating out last month?
Can I afford a £2,000 holiday in June?
How much can I realistically save each month?
Where am I spending more than usual?
If I spend £100 less on eating out, when will I reach my holiday goal?
Which subscriptions have increased?
Eating out is £86 higher than last month. Reducing it by £50 per month would help you reach your Spain holiday goal sooner.

Pricing

Start free. Upgrade when Spendika starts doing the work for you.

FREE

£0

For tracking and planning your money yourself.

  • Manual expense tracking
  • 1 active monthly budget
  • 1 active savings goal
  • 15 receipt scans/month
  • Free money calculators
  • CSV export
Start Free

PREMIUM MONTHLY

£4.99/month

Try Premium free for 14 days.

  • Unlimited receipt scanning
  • Automatic expense categorisation
  • Unlimited budgets and savings goals
  • AI money assistant
  • Subscription detection
  • PDF and CSV reports
Try Premium Free

PREMIUM ANNUAL

Save 20%

£39.99/year

Billed yearly with 20% off compared with paying monthly.

  • Unlimited receipt scanning
  • Automatic expense categorisation
  • Unlimited budgets and savings goals
  • AI money assistant
  • Subscription detection
  • PDF and CSV reports
Save 20% with Annual

Why go Premium?

Scan instead of typing

Photograph receipts and let Spendika capture the details.

Know before you overspend

Spot budget pressure before spending gets away from you.

Ask about your money

Get answers based on your actual Spendika data.

Reach goals faster

See how spending decisions affect savings targets.

Monthly can be cancelled month to month. Annual is billed yearly; plan changes are managed through the Stripe billing portal.

Security and privacy

Your money data deserves careful handling.

Spendika uses authenticated access for account features, serves the live site over HTTPS, and lets signed-in users export their expense data.

Authenticated login
HTTPS connection
CSV and PDF exports
User-owned records

Know where your money goes. Plan what comes next.

Start tracking, understanding and planning your money with Spendika.