A coach that speaks firstTime matters. Even for money.
Most apps show you when a purchase posted. SpotFunds paces around when you actually spent, and speaks up before the moments that matter:
- Arrive somewhere you usually spend, and get a heads-up with what that pace can handle today (opt-in)
- A morning note when a pace is running hot, and a celebration when it's on a healthy pace
- A heads-up before the weekend, based on how you usually spend
- Ask the coach questions like
Will my Eating Out pace be ready for dinner Friday?
and get answers with your own numbers
SpotFunds learns your patterns (which days, which times, which kinds of places) on your iPhone, then uses AI on Apple's Private Cloud Compute to write coaching that's relevant to you. And when there's nothing worth saying, it stays quiet.
New in the betaApple Card purchases, filled in for you
Your Apple Card and Apple Cash purchases come in from Wallet automatically, soon after you make them, so today's number is today's number. No logging by hand, and coaching that responds to what you actually bought.
Private by design
Your transactions, locations and spending patterns are analyzed on your iPhone. To write a coaching message or answer your question, only the few facts it needs — a pace, a place, a purchase — go to Apple's Private Cloud Compute. The answer comes back, and nothing is kept. Apple built it so that no one, not even Apple, can see inside. Your location never leaves your iPhone, and I never see any of it.
You'll need
- An iPhone on iOS 26 or later
- A US Apple Card or Apple Cash
What I'm asking
Use SpotFunds normally for about two weeks, and send at least one piece of feedback (take a screenshot in the app, then tap Share Beta Feedback). First impressions are especially helpful.
Card import is part of SpotFunds Coach+, launching soon, and it's free for everyone during the beta.