Banking Apps can't handle weekly pay!
Most banking and budgeting apps assume a salary on the 1st. If you're paid weekly, self-employed etc, keeping control of finances breaks down fast.
Budgeting on weekly pay →SpendWisely
For weekly pay, self-employment, or variable income
See your balance 30 days aheadand stay in control of your money!
See what's ahead, what's already spoken for and what you'll really have left — so you can spend with confidence!
Problem
Weekly Pay. Bills Everywhere. It’s Easy to Overspend!
Your money comes in weekly, but your bills don’t. Overpending between pay days, and you can be left short when commitments and BNPL arrive!
Today's Balances hide tomorrow's bills!
Rent, bills, commitments and Pay-in-3 are difficult to keep track of, the squeeze only shows up after you've overspent!
How the 30-day forecast works →
Weekend Balances can mislead!
Banks often don't take commitments or payments over the weekend. That overinflated figure can lull you into spending money you don't actually have.
Why weekend balances mislead →Features
See Ahead. Test Your Spending. Ask Your AI Guide!
Your forecast graph shows where your money is heading, and the Spending Impact lets you see the consequences a large purchase will have. Whenever something doesn't make sense, your AI guide is there to help you understand it!
Forecast
Know your balance 30 days ahead!
Your SpendWisely forecast shows how your balance could rise and fall over the next 30 days — including income and upcoming commitments — so you can see the impact before you spend!
SpendWiselyControl Your Spending
Forecast
Tap a Date
TodayLast entry1 Aug – 31 Aug
FRI31JUL
SAT1AUG
SUN2AUG
MON3AUG
TUE4AUG
WED5AUG
THU6AUG
FRI7AUG
SAT8AUG
SUN9AUG
MON10AUG
TUE11AUG
WED12AUG
THU13AUG
FRI14AUG
SAT15AUG
SUN16AUG
MON17AUG
TUE18AUG
WED19AUG
THU20AUG
FRI21AUG
SAT22AUG
SUN23AUG
MON24AUG
TUE25AUG
Balance trail
31 Jul – 5 Aug
RecordedProjectedZeroThresholdOverdraft
Selected
£1,401.54
AI Assistant
Ask your AI Guide!
Don't understand a screen? Ask the SpendWisely AI Guide. When you sign up, it can enter your balance, income, and commitments for you!
Help & guidance
AI Assistant
Your SpendWisely guide
SpendWisely guide
Hi! I'm your SpendWisely guide. Ask me about any feature or what you see in the app.
Ask me anything about SpendWisely...
Spending Impact
See the dip before you Spend!
Enter a planned purchase and SpendWisely shows how it hits your forecast — purchase day, end of month, and whether you'd cross your threshold or overdraft. Approve it, or walk away.
Preview a purchase before you buy →1 · Preview
2
Before you spend
Spending Impact
Impact Preview
- Details
- 2Preview
- 3Approve
£750.00
New TV · 26 Aug 2026
Purchase day projected balance
£441.48
without this purchase · 26 Aug 2026
After: −£308.52
End of month balance
£477.66
after this purchase (cascaded from purchase day)
Currently forecasted (EOM): £1,227.66
2 · Forecast
Forecast with Planned Purchase
New TV — £750.00 on 26 Aug 2026. From 26 Aug onward, each day carries that purchase forward.
Tap a date · balances include −£750.00 from 26 Aug
THU20£1,441
FRI21£1,390
SAT22£1,338
SUN23£1,287
MON24£1,235
TUE25£1,184
WED26−£308.52
THU27£35.41
Balance trail
22 Aug – 30 Aug
RecordedProjectedZeroThresholdOverdraft
Selected
−£308.52
Weekend banking
Beware of your weekend balance!
Banks don't take regular commitments over the weekend, which can leave an overinflated balance that lures you into spending more than you've got. SpendWisely easily manages this for you!
Why weekend balances mislead →SpendWiselyControl Your Spending
Selected date
15 Aug 2026Still in your bank — spoken for
£4.00 in commitments is scheduled today but banks do not usually clear on a weekend. Please note your balance may look higher until they have cleared.
Projected balanceIn credit
Balance carried forward£1,534.54
Daily spend-£51.43
Total projected balance
£1,483.12
Commitments
Maintaining the account — monthly
Clears Mon 17 Aug
£4.00
Commitments & BNPL
See all your commitments well before they're due!
SpendWisely makes commitments and BNPL easy to manage in one clear forecast. See what’s due, when it’s due and how it affects your money ahead — giving you more clarity and fewer financial worry!
Track Klarna & BNPL →SpendWiselyControl Your Spending
Commitments
View and manage your commitments.
| Description | Type | Amount | Category | |
|---|---|---|---|---|
| New Mattress | Recurring | £290.00 | Buy Now Pay Later | |
| HOME INSURANCE | Fixed | £825.00 | Insurance | |
| OURARING | Fixed | £5.99 | Lifestyle | |
| Energy Bill | Recurring | £149.02 | Household |
0 of 10 row(s) selected.
Slack & Notion
Get your latest bank balance in your favourite apps!
Keep your current workflow by Connecting Slack and Notion for bank balance logging — without living inside another finance app all day.
SpendWiselyControl Your Spending
Integrations
Send thin, user-approved cash signals to Notion and Slack. SpendWisely stays the system of record.
Notion
ConnectedConnected · SpendWisely_channel (pick a page)
ReconnectDisconnect
Slack
ConnectedConnected · SpendWisely (pick a channel)
ReconnectDisconnect
Manage your daily spend
Set a daily spend limit!
SpendWisely helps you manage your weekly flexible plan (food, motoring, other) into a clear daily spend limit, so you can easily see any overspending.
Budgeting on weekly pay →Bank Settings
Configure your bank balance preferences and limits.
Weekly Flexible Spend Plan
Set your weekly budgets for variable spending. This drives your realistic forecast.
Enter today's bank balance before changing the Weekly Flexible Spend Plan.
Total weekly budget£360.00
Flexible spend rate£51.43/day
CancelSave settings
Receive your emails daily!
Get a daily bank balance summary by email, plus optional low-balance, overdraft, and forecast alerts that you can easily switch on or off in SpendWisely.
Email Notifications
Choose which email notifications you want to receive.
Email Notifications
Choose which email notifications you want to receive. All notifications are enabled by default.
Daily Balance Summary
Receive a daily email with your balance summary and transaction activity.
Low Balance Alerts
Get notified when your balance drops below your threshold.
Overdraft Warnings
Receive alerts when you're approaching your overdraft limit.
Forecast Breach Alerts
Know when a planned commitment would take you below zero.
How it works
Start in Seconds. No bank or personal details required. Free Trial for 14 days!
Sign up in seconds — no bank connection — and start changing how you spend money, with a 30-day view ahead instead of checking your balance and hoping it lasts!
Welcome to SpendWisely
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Step 1
Sign up
Create a SpendWisely account — no address or personal details required ever. No credit card details required for the 14 day FREE trial.
Help & guidance
AI Assistant
Your SpendWisely guide
SpendWisely guide
Hi! I'm your SpendWisely guide. Ask me about any feature or what you see in the app.
Ask me anything about SpendWisely...
Step 2
Ask the AI
Your AI guide can set up everything for you, explain any screen. Literally ask it anything about SpendWisely.
Pricing
Start your free 14-day trial today
MonthlyYearly
Free Trial
£0/ month
billed monthly
- Full access for 14 days
- All Premium features included
- No credit card required
- Forecast, commitments & BNPL
- Weekend working-day clearance
- Daily spend limits & balance emails
Start free trial
Try everything free!
Popular
Premium
£8.75/ month
billed monthly
- Everything in Free Trial, ongoing
- AI-powered insights & assistant
- Bulk import from CSV/Excel
- Spending Impact analysis
- Slack & Notion integrations
- Cancel anytime
Get started
£8.75/month or £63/year — save £42
FAQ
Frequently asked questions
SpendWisely is not FCA-authorised and does not provide personalised financial advice. Forecasts are estimates based on the information you enter. If you are struggling with debt, free help is available from StepChange, National Debtline, and MoneyHelper.
Still have questions? Email us at support@spendwisely.co.uk
Take control of your finances today!
Prevent overspending money you don't actually have. Start today for free — no bank connection required.