From Cap to Capital.
Get the most out of every dollar; every day. SpendCapital is your smart cash flow manager built to help you make better financial decisions.
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Download the Spend Capital app:
Direction
Break the paycheck to paycheck routine.
Educate
Stop guessing, make an informed decision every time.
Implement
Take action and watch the results.
What we do
We’re making budgets obsolete.
Are you tired of being told you’ve overspent? Use SpendCapital. No more ‘categories’, use your daily spending limit on whatever you want, whenever you want.
Spend freely
Eliminate complicated budgets; get the info on how much you can spend, and spend it however you want.
Save prudently
Rounds up and micro-savings aren’t going to get you to where you need to be. Know how much you should save every time.
Invest wisely
Instead of guessing, know how much should be allocated towards your investments of choice every month.
Crush your debt
Debt is a ticking time bomb. The quicker you diffuse it, the better.
ADDITIONAL FEATURES
Yea... there’s more.
We’re here to help you improve your day to day finances. And we’re got the additional tools to help.
Educate
Not every decision is about spending more money, what if I can find a way to reduce or eliminate an expense, how would that impact my ability to save, invest or pay down debt.
Plan
You'll know what you need to save for retirement, the amount of risk you should be taking and whether you're tracking to retire early.
Motivate
Need some extra motivation? Work on improving your SpendCapital score and see how you stack vs others.
Connect
Feel lost, overwhelmed or just want some extra guidance. Talk to a real human advisor.
INFORMATION
Guides & FAQs
We know it can seem daunting at first, but once you get a hang of it, you’ll be wondering how you ever lived without it. Our resources will tell you everything you need to know about our methodology and process.

And if you can’t find the answers > chat with us. We’re here.

CALCULATE
See the results for yourself
Input your after-tax monthly income and your total monthly living expenses*

*Living expenses are expenditures necessary for basic daily living and maintaining good health. They include the main categories of housing, utilities, insurance, healthcare, education, and transportation.
AFTER-TAX MONTHLY INCOME:

MONTHLY LIVING EXPENSES:

I have debt
Yes
No
Less work, more success.
Start today, because it’s better than never.
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