The Spendee alternative with your portfolio beside your spending

Spendee, operated by SPENDEE a.s. of Prague, is built around everyday spending. Per its site, you connect your accounts and transactions arrive and categorise themselves, budgets show how much you can spend each day and notify you at 75% and 90%, and shared wallets let a couple or a household run the same money together. It is mobile-first and it is inexpensive.

Turbobulls is a portfolio tracker that also budgets in envelopes, encrypted on your device so the server cannot read either half. Holdings, cost basis, dividends and returns sit in the same account as spending, salary, debt and cash, and net worth is reported across all of it.

If you are choosing a tool purely to track spending, Spendee costs less and takes the work out of getting the data in, and that is a strong case. This page exists for the narrower one: you also hold investments, and you would rather not keep them in a second product on a server that can read them. Everything Turbobulls gives up, the bank connections included, is the price of that one decision.

Spendee states it connects to more than 2500 financial providers worldwide, and it also connects e-wallets and crypto wallets. Per its terms of use the connections run through its own bank integrations or the aggregators Salt Edge and Plaid, and per its security page the access is read-only, with a limited-lifetime token rather than your password for directly connected banks. Which plan includes it is stated two ways: the pricing page lists bank sync under free Basic, the help centre says connecting a bank is a paid feature. Either way, for capturing everyday spending this is not a close contest and pretending otherwise would waste your time.

Turbobulls connects to nothing. A sync service has to hold working credentials and read the transactions it fetches, which is precisely what encrypting on your device prevents. What we have instead is file import: dedicated adapters for ING Romania, Raiffeisen Romania, Salt Bank and Revolut personal, and a generic CSV mapper for everything else, with duplicate detection and an atomic commit so a bad file cannot leave you half-imported.

Worth being exact about what that costs you, because it is not a question of which country you bank in. The generic mapper takes a CSV from any bank or broker that can export one, which is very nearly all of them; the dedicated adapters just save you mapping the columns the first time. What you give up is the connection. Spending stops arriving on its own and becomes a file you export once a month. For portfolio trades that is a small cost, since there are few of them. For daily spending it is a real one, and it is the single most common reason to choose Spendee over us.

Both budget by category. Spendee markets smart budgets that show how much you can spend each day and notify you at 75% and 90% of the budget, one budget on the free plan and unlimited budgets and wallets on the paid tiers, and shared wallets on Plus and Premium for couples, families and roommates. Turbobulls has no equivalent of shared wallets.

Turbobulls budgets in envelopes: each month you assign the money you actually have, unspent amounts roll over, and overspending comes out of next month’s pool, so the budget stays tied to real cash rather than a forecast. Spending carries categories and tags, alongside cash accounts, debt, salary and savings rate.

On the free plans the comparison goes against us plainly. Spendee Basic gives you one cash wallet and one budget you can set up, at no cost; whether bank sync comes with it is stated two ways on its own pages, so we leave that to Spendee. Our free plan makes budgeting read-only and caps the wallet at 120 transactions, three accounts and ten categories. Ours is a demonstration; theirs is usable.

Spendee’s product pages and help centre describe no portfolio tracking or net worth across holdings, as checked in September 2026. Its homepage frames crypto wallets as part of your cash flow, which is a different thing from tracking a position with a cost basis. The one exception is a 2022 NFT campaign page at nft.spendee.com, which describes tracking connected NFT wallets as assets; its current product pages and help centre do not repeat it, so check its own documentation if this decides it for you.

Turbobulls tracks stocks, ETFs, crypto, bonds and deposits with per-lot cost basis, splits applied retroactively, and multi-currency handled with the FX rate on each transaction date. Returns cover ROI, money-weighted and time-weighted return, with benchmarking against any ETF, stock or basket, and historical snapshots that rebuild the portfolio as it stood on any date. Dividends record withholding tax per payment. Behind that sits the Overview’s All figures card: its growth and return figures stay visible on the free plan, and paying for the investing side opens the risk and efficiency figures.

The argument is not that this is more features. It is that your savings rate and your portfolio return are the same question asked twice, and answering it in one place is what this product is for. If you do not hold investments, none of it applies and Spendee is the simpler, cheaper answer.

SpendeeWe are going to be careful here rather than opportunistic, so this is what Spendee’s own pages say. Its security page states that all communication runs through encrypted channels, that data is stored encrypted on its servers so only authorized users can access it, and that it runs on Google Cloud Platform. Bank access is read-only. Credentials are stored only if you opt in, and for directly connected banks it receives a limited-lifetime token rather than your password. Its terms name Salt Edge and Plaid as the aggregators beside its own bank integrations. Its privacy policy lists both among its data processors, puts its database servers in the EU (Belgium) and in the USA, and says that beyond its listed processors personal data is not transferred or disclosed to third parties unless you consent, you initiate it, or the law requires it. Its help centre describes the company as PSD2-licensed, and says that is why it asks its users for nationality, personal ID and address under anti-money-laundering law. What none of that describes is end-to-end encryption or a key that only you hold. Its privacy policy and terms are the authority, and both are worth reading if this decides it for you.

TurbobullsWhat we can state is our own architecture. Data is encrypted on your device with AES-256-GCM under a key derived from your password using PBKDF2, before anything is sent. The platform is designed so it cannot read your figures rather than choosing not to. Both companies are EU-based, so GDPR applies to both.

The trade is not free and it runs directly against the Getting data in tab: encrypting on the device is exactly why we cannot offer the bank connections Spendee offers. On analytics, Turbobulls records explicit events only within the app, with no autocapture, no session recording, no advertising trackers, and nothing sold. See exactly how the encryption works, including what we can still see.

Spendee lists Basic free, Plus at $1.99 a month or $14.99 a year, and Premium at $5.99 a month or $35.99 a year, in dollars as shown on its pricing page as checked in September 2026. That page labels the yearly option as a 49% saving and notes prices may differ by country; its terms say prices show in your local currency where supported and include VAT. Subscriptions are sold through the App Store and Google Play only, per its help centre, and a one-time Lifetime Premium is sold there at a price the pricing page does not show. The 7-day trial is on Plus and Premium, needs payment details up front, and runs once per store account. Its pricing page shows the same feature list for Plus and Premium; its help centre says Plus adds unlimited wallets, unlimited budgets and shared wallets, and Premium adds bank, e-wallet and crypto-wallet connections, automatic import and categorisation, and the AI receipt scanner.

Turbo Pro, the plan every figure on this page is measured against, is €6.66 a month billed yearly at €79.90, or €7.99 monthly, and covers the spending side and the investing side together. If budgeting is all you want from us, you do not have to buy the portfolio tracker with it: Spending Pro is €2.99 a month billed yearly at €35.90, and it leaves the investing side exactly at free-plan depth. The trial is 14 days of everything and the account lands on a permanent free plan afterwards rather than ending.

There is no reading of this where we are the cheap option for tracking spending. Spendee Plus costs a fraction of Turbo Pro, and so does Premium, the plan its help centre says carries the bank connections. What you are paying the difference for is the portfolio tracker in the same account and the encryption around both. If you do not want those, buy the cheaper thing. The prices are in different currencies and move with the exchange rate, so we are not going to put a percentage on the gap in either direction.