Frequently asked questions

Spenzo is a modern, AI-powered budgeting and expense-tracking app. It helps you plan budgets around your pay cycle, see what’s safe to spend, scan receipts, set savings goals and get simple money guidance.

Spenzo Premium starts with a 14-day free trial — no card required to explore. After the trial you can upgrade to Premium, or keep a Free Limited plan with basic tracking.

If you don’t upgrade, you move to Free Limited: basic expense and income tracking, a basic budget view and limited history. Premium features like Analytics, Goals and the AI Coach are paused until you subscribe.

Yes. You can budget around your real pay cycle — weekly, bi-weekly or monthly — instead of a fixed calendar month, so your numbers match how you actually get paid.

Spenzo shows a daily “safe to spend” figure — your remaining budget for the cycle, after upcoming bills, spread across the days left. The AI Coach uses the same number, so the guidance you get always matches your dashboard.

Yes. Create goals with a target and deadline, then choose how you save toward them — Daily, Weekly or Monthly. Spenzo recommends a contribution and projects when you’ll reach the goal.

Yes. You can securely connect a bank via Tink (available across Europe, starting with Ireland) to import transactions automatically. Spenzo never sees your bank login — access is read-only and you can disconnect anytime.

Yes. With Premium you can snap a receipt and Spenzo’s AI reads the merchant, amount, date and category for you, so logging spending takes seconds.

Yes. The AI Coach offers plain-language insights and suggestions grounded in your real numbers, and AI powers receipt scanning. It’s designed to guide you, not bury you in charts.

Spenzo detects your currency from your location or device during onboarding — from Euro to NAD, ZAR, NGN and many more — and you can change it anytime, along with date-format, region and language, in settings.

Yes. Private mode hides your income across the Budget page and Settings with a single tap of the eye icon, so nothing sensitive shows over your shoulder. It’s display-only — your data isn’t changed — and the setting syncs across your devices.

Absolutely. You can manage or cancel your subscription anytime from the Stripe Customer Portal in your settings — you keep access until the end of the period you’ve paid for.

Yes. We don’t sell your personal data, authentication uses secure http-only cookies, and you can export or delete your data whenever you want.

Email us at support@spenzo.co and we’ll be happy to help — you’ll get a ticket reference back so it’s easy to follow up.