BudgetSpawnSinking funds, done properly
Money you'll need later, put away on purpose… now!
New Tyres in 3 yrs from now. Annual school fees in January. That holiday you keep postponing. From a few simple prompts, BudgetSpawn works out what each one costs you per PAYDAY cycle (Daily, Weekly, Monthly), then keeps count — so the bill arrives and the money is already there. And you remain in control of your MONEY and can even withdraw or loan against it, intelligently! All in the palm of your hand, literally… no more guesswork!!!
In testing. Android first, iOS to follow.
How it works
Spawn a goal
Say what it costs and when you need it. BudgetSpawn allows for inflation and divides the rest across your paydays — weekly, fortnightly, monthly, whatever you're actually paid.
Inject on payday
Put in what you can spare. It's split across your goals, oldest debt first, and the split always adds back to the exact amount you entered.
Borrow from yourself
Short this month? Take a loan against your own savings instead of a lender. Interest is charged deliberately — and it comes back to you, not to anyone else.
Your money stays on your phone.
BudgetSpawn is not a bank and it isn't connected to one. There is no account to create, no password, no server holding your figures. The app has no internet permission at all — it cannot send your data anywhere, because it cannot reach anywhere.
That's a design decision, not a limitation. Read the privacy policy for the full detail.
- No Sign-up, e-mail address or account
- No Analytics, trackers or advertising
- No Cloud backup of your ledger unless you ask for one
- Yes A PIN you set, that never leaves the device
- Yes Uninstall takes every figure with it
Free and Pro
Free
Free, and offline
Goals, paydays, injections, borrowing, the buffer, the full ledger and every printed statement. Everything above is the free app. It is not a trial.
Pro
Monthly subscription · in development
The features that need a connection to work: your figures kept in step across more than one device, a product looked up the moment you scan it, and everyone in a shared savings group seeing the same record. Free stays offline and stays free.