For UK students on student finance
The budgeting app that makes your student loan last the whole term. Know what you can spend each week, check a purchase before you make it, and find it cheaper.
Try it
Type it in and see what Spenvo would say before you pay.
This demo uses a sample week with £54.20 left. In the app, the answer comes from your own budget.
Purchase Advice
Gig tickets
£45.00
Tight this week
You'd be £30.80 over this week's budget.
This week's budget after buying
Sound familiar?
Your maintenance loan arrives once a term, so it feels like a lot of money until suddenly it isn't. Spenvo spreads it out week by week, so the end of term doesn't arrive before your next payment.
Week 1
“I'm rich.”
Freshers, takeaways, a new coat. It all seems affordable.
Week 6
“Wait, where did it go?”
Your balance is half what you expected, and rent is due.
Week 10
“Beans again.”
Weeks of term left and nothing left in the account.
What Spenvo does
Spenvo splits what you have left into a budget for each week of the month. Overspend one week and the rest of the month adjusts automatically. Get paid and your budget goes up straight away.
Thinking about buying something? Enter what it is and the price, and Purchase Advice tells you what it would do to your budget before you pay.
Describe a product and Spenvo searches online retailers for cheaper options, so "I need it" doesn't have to mean full price.
If you overspend and your balance drops below zero, the Safety Net covers the gap from your savings goals and shows you exactly what it moved.
Ask money questions in plain English and get answers based on your own budget.
See where you're heading by the end of the month, while there's still time to change it.
Set goals for trips, tech or next term and add to them whenever you have money left over.
How it works
Your maintenance loan, any scholarship and any part-time pay, plus what you usually spend on rent, food and transport.
Spenvo works out how much you can spend this week and keeps updating it as your month goes on.
Add spending as it happens, and check with Spenvo before any bigger purchase.
Your weekly number
Move the sliders to get a rough idea from your next loan payment.
You can spend about
£120 a week
That's about £17 a day.
Your rent and bills use up the whole payment. Spenvo can help you plan around part-time pay and savings.
Link copiedA rough guide. Spenvo works this out week by week from your real income and spending.
Your data
Spenvo never connects to your bank. You decide what goes in, and you can delete everything whenever you want. Read our privacy policy.
Every transaction is one you enter yourself.
We don't sell or share your data for marketing.
AI features only run after you say yes, and you can turn them off in Settings.
Remove your account and all of its data from inside the app.
Who's behind it
We're two UK students who kept running out of money before the end of term, so we built the app we wished we'd had in first year.
Free on iPhone and Android.
Spenvo