Spending Tracker – Spentum review
A free beta budgeting app for shared household finances and CSV-based tracking.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Spentum is a household budgeting and expense-tracking app for partners, flatmates, and families. It gives household members a live view of budgets, transactions, and accounts, with unlimited household members and up to 10 accounts per person. Users can enter transactions manually or import bank statement CSV files. The app also covers recurring income and expenses, category budgets, savings goals, subscription tracking, reports, and balance forecasting. It runs through a browser-based Progressive Web App and native Android and iOS builds.
The vendor describes Spentum as free during its beta period. That makes the full feature set available without a stated paid tier during this phase, including shared budgets, recurring schedules, monthly category caps, savings progress, reports, heatmaps, category drill-downs, and CSV transaction export. For onboarding, CSV import is designed to reduce cleanup: column detection, deduplication, suggested tags, and recurring-subscription identification are part of the workflow. The combination of web and mobile access suits households that switch between devices while managing a common budget.
Spentum’s strongest fit is a small household that wants shared visibility without connecting accounts directly to a budgeting service. Balance forecasts and recurring transactions add planning depth beyond a simple expense log, while subscription tracking helps surface repeating commitments. The main trade-off is the reliance on CSV files rather than bank synchronization, so people expecting continuously imported transactions may prefer a service built around direct account connections. The 10-account-per-person limit is also worth considering for unusually complex household finances. Choose Spentum for collaborative, manual or CSV-based budgeting; look elsewhere if automatic bank feeds are essential.
Spending Tracker – Spentum pros and cons
- Where it wins
- Real-time shared budgets for partners, flatmates, and families
- CSV imports detect columns and deduplicate bank statement entries
- Forecasts, savings goals, reports, and recurring transactions included
- Where it doesn't
- Bank-sync connections are not part of the stated feature set
- Each person can track up to 10 accounts
- Free access is tied to the beta period
Spending Tracker – Spentum fact sheet, pricing and score →
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