Snap a photo of your receipt, check what was read, and send it to your shared YNAB budget.
Your partner sees that one expense — not your whole bank account.
For couples, families and roommates running a shared budget on YNAB Together.
YNAB Together lets a household share one budget while everyone keeps their own login. But getting your own spending into that shared budget usually comes down to two options: link your personal bank account (now your partner can see every transaction you make, not just the shared ones), or type each purchase in by hand (which most people stop doing within a week).
Spendify is a third option: photograph the receipts you want to share, and send only those — nothing else from your account ever touches the shared budget.
Take a photo or upload an image. Spendify reads the date, merchant and total.
OCR is not perfect, so you check the result and fix anything that is wrong.
Connect your own YNAB login, pick the shared plan and account, and send it there — your partner does the same from their own Spendify account.
Spendify never overwrites categories in YNAB. Transactions arrive without one, so your budget, your rules and your category habits stay in YNAB — whoever in the household normally handles categorising keeps doing it exactly the same way.
Categories you set inside Spendify are for your own organisation only. They are never sent to YNAB.
In Settings, choose "Connect YNAB", sign in on YNAB's own site with your own login and approve access. Then pick the shared plan and the account your receipts should go to from a list — the same shared budget your YNAB Together group already uses. There is no token to create and no ID to copy.
Spendify never sees your YNAB password. Your access is stored encrypted and used only to list your plans and accounts and to create the transactions you select. You can disconnect at any time from Settings. Details are in the Privacy Policy.
Spendify remembers which receipts you have already sent and leaves them out of the next export, so you can't accidentally send the same receipt twice from your own account.
One limit worth knowing in a shared budget: Spendify does not read existing YNAB transactions, so if your partner's bank account is also linked to the same budget, it can't tell whether a purchase you photograph was already imported from their bank. Check for a duplicate in YNAB, the same way you would with any manual entry.
Yes. Each person creates their own free Spendify account, connects it to YNAB with their own login, and picks the shared budget and account during setup. You don't need one joint Spendify account — each person's 10 free receipts a month apply separately.
No. Spendify never asks for your bank credentials and never connects to your bank at all. You photograph a receipt, and only that receipt's date, amount and merchant are sent to the shared budget. Your other accounts and the rest of your spending stay private.
Yes. Each person connects their own Spendify account to YNAB and picks the same shared plan and account. Every receipt becomes its own transaction, so you can both add expenses independently.
Then the same purchase could appear twice — once imported automatically from the bank, once from your receipt. Spendify doesn't read your existing YNAB transactions, so it can't detect that on its own. Check for a duplicate in YNAB, the same way you would with any manual entry.
Yes. Anything YNAB Together supports — a couple, a family, roommates splitting household costs — works the same way with Spendify: everyone logs their own share from their own phone.
Spendify is free for up to 10 receipts a month per person, no credit card required. Need more? Unlimited receipts are €4.99 per month.
Not using a shared plan? See how Spendify sends any receipt to YNAB.
New to entering receipts in YNAB? Read the full guide.
Need the VAT on each receipt too? See how Spendify captures VAT.
Prefer a spreadsheet? Convert receipt photos to a spreadsheet or CSV.
Start with one receipt. 10 free every month per person, no credit card required.
