Nearly two-thirds of Americans live paycheck to paycheck.

Everyday costs keep climbing. But even when the budget is tight, it's the small, unconscious spending that tips the balance. A coffee here, a quick lunch there. By the time you notice, you're reaching for a credit card until the next paycheck.

SpotFunds is the spending coach that speaks up before that happens.

SpotFunds Today tab showing coaching prompts and Ready-to-Spend amounts

Knowing where your money went is a start. But changing how you spend takes more than a chart.

Spending habits are hard to break, especially the ones you don't notice. Most apps show you the damage after it's done. SpotFunds steps in earlier, with coaching that's personal, timely, and aware of where you actually are in your pay cycle.

SpotFunds works differently. It's not a budget tracker. It's a personalized spending coach in your pocket.

THE CORE CONCEPT

Know what you can spend. Right now. In this moment.

Ready-to-Spend® isn't your bank balance, or even a budget balance. It's how much you can safely spend today and still make it to your next payday without stretching. Think of it as your pace — not a limit, but a rhythm that keeps you in control.

SpotFunds calculates it in real time, per spending area, based on where you are in your pay cycle. No guessing. No mental math.

SPOTCHECK

Be confident of what you can spend.

Before you leave in the morning.

SpotFunds 8:02 AM

Good morning! Your eating out spending is pacing fast. Consider bringing lunch today.

And when you arrive.

☕ Coffee shop

Before you order, your phone tells you:

$8.24 ready to spend in Coffee. Great pacing this cycle!

🛍️ Saturday errands

Step into a store on Saturday afternoon:

Heads up. $18 left in Shopping with 5 days to go.

🛒 Grocery run

Walk into the grocery store on Tuesday:

$52 ready in Groceries. You're well-paced this cycle.

SpotCheck arrival notification with privacy controls and location-aware coaching

SpotFunds uses your location to deliver coaching at the moment of decision, not after the receipt. It knows where you go, recognizes your routines, and gives you context before you tap your card. Built with privacy at the forefront. Your location data never leaves your phone.

INTELLIGENT COACHING

A coach that learns your patterns and coaches to them.

SpotFunds watches for patterns: the Friday afternoon coffee run, the weekend dining habit, the Tuesday grocery trip. Over time, it learns what's normal for you. Then, it starts coaching.

Spending faster than usual? It'll tell you. Pulled back after a rough stretch? It notices. This isn't a one-size-fits-all alert. It's coaching built from your behavior, your timing, your spending rhythms.

"You've been spending at a steadier pace this cycle — your best in 3 months."

"You're spending a bit faster than usual in Coffee this week. Blue Bottle is a bit more than your usual Caffe Ladro."

"Milestone: you finished last cycle under pace in 3 spending areas."

↑ Real coaching messages from the app

SpotFunds Activity feed showing visit detection and transaction logging

ALWAYS NEARBY

Your coach, beyond the app.

Siri

Just ask. And tell.

Check your spending pace or log a purchase without even opening the app. SpotFunds works with Siri so your coach is always nearby.

Plan ahead

"Siri, ask SpotFunds if I can go to dinner this weekend."

"Your Eating Out pace is tight right now, but if you hold off until Saturday, you'll have $34.20 to work with. Two rest days does the trick."

Quick check

"Siri, ask SpotFunds what my pace is for eating out."

"You have $14.29 ready to spend in Eating Out with 6 days left."

Log a purchase

"Siri, tell SpotFunds to add an activity"

"Is this for Starbucks on 3rd Ave?"

"Yes"

"How much?"

"Six dollars and 49 cents"

"Done. $6.49 added to Coffee."

Affordability check

"Siri, ask SpotFunds if I can go to lunch"

"Your Eating Out pace is running a little fast. Wait until Thursday for buying lunch."

Merchant lookup

"Siri, how much have I spent at Blue Bottle?"

"You have spent $17.32 at Blue Bottle Coffee this cycle."

Widgets

Glance and go.

Ready-to-Spend® on your Home Screen. See what you can safely spend today without opening the app. Takes just glance.

Your spending data never leaves your phone.

Your transactions, your locations, your patterns. None of it is sent to our servers, sold to advertisers, or shared with anyone. Ever.

No cloud sync No analytics with transaction details Runs fully on-device

Your money is your business. We built SpotFunds to keep it that way.

Questions

Is SpotFunds free?

Yes. SpotFunds is free to use today. As we add features — like one-time bank import to kickstart your coaching — pricing will evolve.

Does it connect to my bank?

Not yet, and that's by design. Right now, SpotFunds works entirely through manual logging. You log what you spend, and your coach learns your patterns from that. Bank history import is on the roadmap as a one-time kickstart to help your coach detect patterns faster, but the core experience is built around you being an active participant in your spending awareness.

What data do you collect?

Your spending data stays on your iPhone. SpotFunds collects only anonymous, behavior-level analytics: things like which screens are visited and feature usage frequency. No transaction amounts, merchant names, location coordinates, or financial data ever leaves your device.

How is this different from a budget app?

Budget apps are great at showing you where money went. SpotFunds goes further. It's a proactive, intelligent spending coach that helps you pace your spending so you're not reaching for a credit card at the end of every pay cycle.

Still have questions? Contact us