Finman vs Spendee: shared wallets, currencies and what each plan includes

Short answer: choose Spendee if you want shared wallets for a trip, a couple or flatmates on the phone, with bank sync on Premium at $35.99 a year. Choose Finman if you want budgets in the browser as well, accounts in several currencies, goals, a balance forecast and an AI CFO chat, free during the open beta.

Spendee is a phone-first spending tracker with wallets you can share and three plans with different feature sets. Finman is a web app with budgets, planning tools and an AI assistant, free in full during its open beta. Most of the choice comes down to which Spendee plan you would need and whether you budget on a computer.

Spendee facts below come from its pricing and home pages; Finman facts match what the app does today.

Finman vs Spendee at a glance

Spendee facts come from Spendee’s own pages, checked on 30 October 2026: Spendee pricing, Spendee home page. Prices and plans change, so check the vendor’s site before you pay. Finman facts are listed below.

Where Spendee is the better choice

• You split costs for a trip, a wedding or a flat. Spendee’s shared wallets on Plus ($14.99 a year) show who paid for what and the total.
• You want live bank sync. Premium connects bank accounts and categorises new transactions automatically. Finman connects live only to monobank and imports statement files for other banks.
• You hold crypto in a wallet. Spendee connects crypto wallets and e-wallets to the cash-flow overview.

Where Finman is the better choice

• You budget on a computer. Finman budgets work in any browser; Spendee lists budgets on iOS and Android, with web coming later.
• You want everything without picking a plan. During the open beta every Finman feature is free, including family sharing and budgets.
• You run a household. Up to 5 members share accounts and budgets while each keeps a private spending view, with split expense tracking.
• You plan ahead. Savings goals, debt payoff tracking and a balance forecast up to 90 days.
• You want answers. The AI CFO chat answers from your accounts, budgets, goals, debts and transactions.

Shared wallet or shared household

A Spendee shared wallet is a joint ledger: several people add expenses to one wallet and see who paid what. It fits a defined event or a flat where costs are split and settled. Finman’s sharing is built for a household that also keeps personal money: shared accounts and budgets, a private spending view per person and split purchases between members.

Both handle more than one currency. In Finman each account keeps its own currency and totals convert to your base currency, which helps when your income and savings sit in different countries. Read more in multi-currency budgeting, the finance app for digital nomads guide, and how to split bills with roommates.

Moving from Spendee to Finman

1. Create a free account at app.finman.money with email or Google.
2. Add one Finman account per Spendee wallet, each in its own currency.
3. Export your transactions from Spendee, or download statements from online banking as CSV, OFX or QFX, and use Import statement. The wizard detects the columns and lets you correct the mapping before saving.
4. Recreate your budgets by category and turn on envelope (rollover) mode where you want leftovers to carry over.
5. Invite household members to shared accounts and budgets.

Finman facts used in this comparison

Who should pick which

• Pick Spendee if you mainly split costs in shared wallets on the phone, or want Premium bank sync and crypto wallet tracking.
• Pick Finman if you budget on a computer as well as a phone, run a household with private views, or want goals, a forecast and an AI CFO without choosing a plan.

Frequently Asked Questions

Is Finman a good Spendee alternative?

Yes, if you want budgets in the browser as well as on the phone, accounts in several currencies, family sharing with private views, savings goals, a balance forecast and an AI CFO chat, all free during the open beta. Spendee suits shared trip or flat wallets and Premium bank sync.

How much is Spendee Premium?

Spendee’s pricing page lists Premium at $5.99 a month or $35.99 a year and Plus at $1.99 a month or $14.99 a year, with a 7-day trial. It notes that prices may differ by country.

Does Spendee’s free plan include bank sync?

Spendee’s pricing page shows bank sync and automatic categorisation on Premium only. The free Basic plan has 1 cash wallet, 1 budget and import and export of transactions.

Does Finman support multiple currencies?

Yes. Each Finman account keeps its own currency and totals convert to your base currency, so income, savings and spending in different countries appear in one net worth.

Can I share a budget in Finman?

Yes. Finman’s family sharing covers up to 5 members with shared household accounts and budgets, a private spending view for each person and split expense tracking.

Is Finman free?

During the open beta every feature is free and online payment is not connected, so no card is asked for. After the beta the Free plan stays at $0; Pro is planned at $9 a month and Family at $19 a month.

Related reading: Multi-Currency Budgeting · Finance App for Digital Nomads · Split Bills With Roommates · Best Expense Tracker Apps

More comparisons: all Finman comparisons · Finman vs YNAB · Finman vs Mint · Finman vs Wallet by BudgetBakers