Spendee earned its fans with colourful shared wallets, multi-currency support, and — more recently — an AI receipt scanner. But the reasons people go looking for an alternative are consistent: the free Basic tier is capped to a single wallet and budget, the useful features split awkwardly across Plus ($14.99/yr) and Premium ($22.99/yr), everything lives in Spendee's cloud, and bank sync (Premium only) depends on aggregators that don't cover every country. Here's what to switch to, depending on which part of Spendee you actually use.

What you're really replacing

Most Spendee users lean on one of three things: shared wallets for a household, multi-currency tracking for travel, or the receipt scanner for fast logging. Pick your replacement around that, not around a feature checklist — a couple who keeps separate finances doesn't need a shared cloud wallet at all, and a solo traveller doesn't need household sync.

Quick comparison

App	Best for	Price (2026)	Bank login	Where data lives
Spendee (baseline)	Shared wallets + multi-currency	Free / Plus $14.99/yr / Premium $22.99/yr	Premium only	Spendee cloud
Lumi	Private, fast logging + forecast	Free / $4.99/mo	No	On your device
Wallet by BudgetBakers	Bank sync + family sharing	Free / ~$2.99–5.49/mo	Required	BudgetBakers cloud
Buddy	Shared budgets for couples	Free / $49.99/yr	No	Buddy cloud
Money Manager (Realbyte)	Manual tracking with deep stats	Free / $19.99/yr	No	On device / optional sync

The alternatives

Lumi — private logging that's faster than scanning

If the receipt scanner is why you love Spendee, Lumi is built around fast entry first: scan a receipt in any language in 2–3 seconds, or skip the receipt entirely and just say "coffee five" or tap the back of your iPhone. Nothing goes to a shared cloud — data stays on your device, with no bank login anywhere. You still get category budgets that warn before overspending, an AI month-end forecast, savings goals, and a unified 150+ currency view that covers the travel use case Spendee is popular for. Free tier includes AI scans and voice; Premium is $4.99/mo or $39.99/yr. iPhone and web (no Android). Compare scanners in best receipt scanner apps.

Wallet by BudgetBakers — if bank sync is the point

Spendee's own bank sync sits behind Premium and skips many regions. Wallet (from the same broad category of BudgetBakers apps) connects to 15,000+ institutions with automatic categorisation, spending limits, family sharing, and strong multi-currency handling, on iOS, Android, and web — a fuller automation story than Spendee's.

Buddy — for couples who want a shared budget

If shared wallets are the reason you're on Spendee, Buddy does household budgeting well: invite a partner, sync transactions, and split who-paid-what with a settle-up view — all without linking a bank. Premium runs $49.99/yr. Worth reading first: what a shared budget actually is and why couples with separate accounts often do better tracking privately and settling monthly.

Money Manager (Realbyte) — if you liked the reports

For people who mostly used Spendee to categorise and review, Money Manager offers deeper statistics, main/sub-categories, and multi-currency, free with ads or $19.99/yr — no cloud dependency required.

The bottom line

Want the receipt scanner but faster and private: Lumi. Need real bank sync across more banks: Wallet. Sharing a budget with a partner: Buddy (or Lumi's private-by-default model if you keep separate accounts). Just want thorough manual reports: Money Manager. New to this? Start with how to budget and the 50/30/20 calculator.

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FAQ

Is Spendee's free plan enough?

Only for the simplest use. Spendee Basic caps you to one wallet and one budget; multi-wallet, shared wallets, backup, and bank sync require Plus ($14.99/yr) or Premium ($22.99/yr). If you want AI features on a free tier, Lumi includes AI scans and voice logging for free.

Which Spendee alternative keeps my data private?

Lumi stores everything on-device with no bank login and no shared cloud wallet, so there's no server-side copy of your transactions to breach. See best expense trackers with no bank login.

Does any alternative have shared wallets like Spendee?

Buddy offers shared budgets with split and settle-up. If you and your partner keep money separate, though, private tracking with a monthly settle-up is usually cleaner than a shared database — that's the model Lumi is built around.