Choose the decision
Model a car, home, holiday, school fee, wedding, or another major purchase without forcing every decision into the same template.
Know before you commit
Can you afford it? Know for sure.
Spendwise turns your income, monthly expenses, and true purchase costs into a clear affordability score and a safer budget range. Plan the car, home, or life moment before it becomes a burden.
Start free. No credit card required.
Built on clarity
What you can expect from Spendwise
Your numbers, explained
Results show the assumptions behind the calculation instead of hiding them inside a vague recommendation.
No pressure to spend
The goal is a safer decision, not a larger purchase. Spendwise will make trade-offs visible—even when the answer is “not yet.”
One decision at a time
From “maybe” to a number you can use.
Spendwise keeps the process focused: define the decision, add your real financial picture, then understand the result.
Add the complete cost
Include the price or payment alongside recurring costs such as fuel, insurance, rent, interest, and other monthly commitments.
See the impact clearly
Get an affordability score, a safer budget range, and a practical view of how the decision changes your money over time.
Your result
A decision summary—not another spreadsheet.
See what fits today, what range leaves breathing room, and how the cost could affect your monthly cash flow over time. Save the result or share a clean summary for a second opinion.
3 views
Score, safe range, impact
1 link
A result ready to share
Straightforward pricing
Start with the decision in front of you.
Use the essentials for free, or unlock ongoing planning when several decisions need to work together.
Free
$0forever
For checking an occasional purchase before committing.
- Core affordability calculation
- Score and safe budget range
- One saved scenario
- Shareable result summary
Spendwise Plus
$9/ month
Compare several paths and revisit your plans as income, expenses, and priorities change.
Unlimited saved scenarios
Side-by-side comparisons
Long-term impact projections
Household decision sharing
Exportable summaries
Priority product support
Prices are shown in USD. Cancel Plus at any time.
Questions, answered
Understand what the number means.
Make the decision with confidence
Before you say yes, run the numbers.
Get a practical affordability result in minutes and keep more room for the life that comes after the purchase.