Not a budget tracker. A spending coach.
Everyday costs keep climbing. When money is tight, it's the small, unconscious spending that adds up faster than we'd think. A coffee here, a quick lunch there. By the time we notice, we typically rely on debt because our money has run out.
SpotFunds is the coach who notices first.
Always with you. Knows you. Speaks before you spend.
THE CORE CONCEPT
Ready-to-Spend® isn't your bank balance, or even a pace balance. It's how much you can safely spend today and still make it to your next payday without stretching.
You set the goal — the most you want to spend on coffee, eating out, groceries, whatever you actually spend on — each pay cycle. SpotFunds sets the pace, adjusts it as you spend and the days go by, and coaches you to payday without going past your goal.
SpotFunds calculates it in real time, per pace, based on where you are in your pay cycle. No guessing. No mental math.
REHEARSE A SPEND
Thinking about buying lunch? Tap and see what lunch does to your pace — before you commit, not after.
What if I spent…
This is a live version of the card that greets you on Today when you're getting started. Once you're logging, ask your coach the same thing — "What if I spend $40?" — and the numbers are yours.
Nothing is saved. You're just asking the coach for help with your plans.
SPOTCHECK
SpotFunds uses your location to deliver coaching at the moment of decision, not after the receipt. It knows where you go, recognizes your routines, and gives you context before you tap your card. Built with privacy at the forefront. Your location data never leaves your phone.
PROACTIVE COACHING
SpotFunds learns your rhythms: the Friday coffee run, the weekend dining habit, the Tuesday grocery trip. Then it gets ahead of them — telling you what a day tends to cost you before you're standing in line.
Spending faster than usual? It'll tell you. Pulled back after a rough stretch? It notices. And a day you spent nothing counts as a win, not a gap.
ASK YOUR COACH
Your coach already knows your paces, your cycle, and your patterns. Now you can just ask — in plain language, the way you'd ask a friend who happens to be good with money.
On the latest iPhone software, your coach can borrow Apple's private cloud for a moment to work out an answer. Only your question and the few facts needed to answer it are sent. The answer comes back, and nothing is stored along the way — not by us, and not by Apple, who designed that cloud so that not even Apple can see inside it. Your location is never sent.
ALWAYS NEARBY
Pull down on your Home Screen and type "coffee." Your pace, the spots you go to, and the days you were actually there — findable the same way you find everything else on your iPhone.
Amounts are never indexed. What's searchable is what you'd say out loud; what's private stays inside the app.
Check your spending pace or log a purchase without even opening the app. SpotFunds works with Siri so your coach is always nearby.
Ready-to-Spend® on your iPhone's Home Screen, and on your Mac's desktop. Deciding on lunch delivery? The answer's already there, without opening anything.
Your purchases, your places, and your patterns are stored on your iPhone and nowhere else.
When you ask your coach a question on the latest iPhone software, it can borrow Apple's private cloud for a moment to work out the answer. Your question and the few facts it needs — a pace, a place, a purchase — are sent, the answer comes back, and nothing is kept. Apple built it so that no one, not even Apple, can look at your data. Your location never leaves the device.
Everything else — your coaching, your pacing, your search — happens right on your iPhone.
Your money is your business. SpotFunds is built to keep it that way.
Still have questions? Contact us