How it works
How SpendSet Works
SpendSet helps you avoid overspending when you go out. As your day unfolds, it keeps track of what you spend and helps you find things to do that still fit your budget.
No bank connection required. You can plan before you create an account.
01
Choose what you want to do
Start with your plans or use Ask SpendSet AI to help you find restaurants, activities, entertainment, and other places that fit your budget.
02
Set your SpendSet
Choose how much you want to spend and how much you want to keep set aside. SpendSet helps you track your spending and find your next spot based on what you have left. Your reserve is not included in your SpendSet budget unless you decide to use it.
03
Add or invite friends
Add or invite friends, and create a group SpendSet to see what everyone can afford together and discover places that fit the group's combined budget.
04
Track spending as you go
Keep your SpendSet up to date by entering what you spent, using receipt verification where available, or accounting for reservations, bookings, and RSVPs made through the app.
As you spend, SpendSet recalculates what you have left.
05
Find what fits next
Ask SpendSet AI what to do next and get recommendations based on your real-time SpendSet, plans, location, and remaining spending room.
If one part of the night costs more than expected, SpendSet adjusts so you can see what still fits without starting your plan over.
06
Cover the Bill
If you need help covering part of the bill, send a private in-app request to someone in your party asking them to cover the expense.
07
See the cost before you go
When merchant pricing is available, see what an outing may cost before adding it. RSVP, reserve, or book ahead where supported, and SpendSet accounts for committed spending so you know what remains for the rest of the outing.
Spend smarter while you're out.
Plan your night. SpendSet helps you discover places that fit your budget as you spend.