Spara Budget

Spara is an envelope-style personal budget built for households that earn, spend, and save in more than one currency. No bank sync. No data harvesting. Just a calm, deliberate way to give every euro (or dollar) a job. Designed for expats, digital nomads, and multi-currency families who got tired of budgeting tools that pretend exchange rates don't exist. WHY SPARA • True multi-currency. Hold accounts in EUR and USD (more coming). The app converts at the daily ECB rate so you always know your real position in your home currency. • Manual entry by design. You enter what you spend. Takes 10 seconds. It also makes you notice what you're spending — which is the point. • Envelope budgeting. Assign every euro to a category. Watch Ready to Assign hit zero. Roll unspent funds forward. Cover overspending honestly. • Forward planning. See "funded" (real money) and "planned" (expected income) side-by-side. Plan next month without confusing intent with reality. • Built for couples and families. Share a budget across an entire household. Everyone sees the same numbers. CORE FEATURES • Multi-account, multi-currency budgeting in one consolidated view • Envelope categories with monthly rollover and overspend handling • Credit-card aware: spending hits the budget immediately and accrues toward your payment • First-class transfers, including cross-currency with actual exchange rates captured • Split transactions (one Mercadona run = groceries + household) • Reconciliation against your real bank balance • Recurring transaction templates • Payee autocomplete with category memory • CSV import (YNAB-compatible) and CSV export — your data is portable • Spending-free day calendar and a small set of progress badges to keep you engaged • Home screen widget showing your top categories at a glance • Ask Spara — natural-language assistant for quick logging and questions about your money WHAT SPARA DOES NOT DO • No bank sync. We don't connect to your bank or pull transactions automatically. Your data stays yours. • No ads. No third-party trackers. No selling your spending habits. • No surprise pricing. One subscription, one price, 14-day free trial. WHO IT'S FOR If you've ever opened YNAB and thought "this is great until I try to budget across two currencies," Spara is for you. If you live in one country and earn from another. If your savings sit in dollars but your rent is in euros. If you're tired of mental math and bad rounding. PRIVACY Spara stores your data in encrypted databases hosted in the EU (Ireland). We never sell your data, never share it with advertisers, and never use your transactions to train AI models. The Ask Spara assistant only sees the data needed to answer your specific question. SUBSCRIPTION Spara is $9.99/month or $99.99/year after a 14-day free trial. Questions? Feedback? [email protected] Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sparabudget.com/privacy/