Every bill is ready before it even arrives.
FixSpend breaks yearly and quarterly bills into monthly installments, collects them in separate pockets, and tells you the exact standing order to set up. The money is simply there when the charge lands.
No banking connection required. We never read your accounts.
- 1 order
- instead of twelve surprises
- 5 min
- to set up your first pocket
- Free
- for your first pocket
- Car insurance€612.00 / year · due 14 Mar
- Home contents€189.00 / year · due 02 Sep
- Netflix€12.99 / month · due 21 Aug
- iCloud+€35.88 / year · due 09 Dec
The bill you forgot about is the one that hurts
Insurance, road tax, domain renewals, the annual plan you took because it was cheaper — they sit quiet for eleven months and then land in the same week. A budget built on monthly averages never sees them coming.
€612 car insurance — eleven quiet months, then one bad March.
The same €612, set aside as €51 a month. March is just another month.
Three steps, then it runs itself
No bank connection, no receipt scanning, no categorising last month's spending. You enter what you already know, and FixSpend does the arithmetic you'd rather not.
- 1
Tell it when you get paid
Net amount, frequency, and the date of your last paycheck. That pay grid is what makes the rest of the math match a real bank balance instead of a spreadsheet average.
€2,400 · monthly · 28th - 2
Group your bills into pockets
A pocket is whatever you want it to be — “Insurance”, “Car”, “Subscriptions”. Add each bill with its amount and billing cycle: weekly, monthly, quarterly, yearly, or every N months.
4 bills · €992.76 a year - 3
Set up one standing order
FixSpend gives you the exact figure to move into each pocket every payday — one combined transfer, or one per bill if you prefer. Set it once and stop thinking about it.
€82.73 · monthly · on payday
Built for the bills that don't arrive monthly
Everything here exists to answer one question: how much has to be sitting in the account right now so nothing bounces later?
Pockets, not categories
Group bills the way you actually think about them. Each pocket carries its own balance, its own target, and its own transfer.
Math that follows your payday
Money lands on paydays, not evenly across the days of a month. FixSpend splits each charge into one installment per payday inside its billing cycle — so the figure it shows is a balance your account can really hold.
One standing order per pocket
Combine everything in a pocket into a single recurring transfer, or keep one per bill. Either way you get the exact amount to give your bank.
Twelve months ahead
A rolling projection shows what each month owes before it arrives, so a heavy March never catches you in February.
Catches what slipped
Paychecks you never logged and charges that came due while you were away get surfaced on sign-in, instead of quietly drifting out of sync.
Your currency, your dates
Locale-aware formatting and date entry throughout, so amounts and due dates read the way you write them.
No account access, ever. FixSpend has no connection to your bank and no read access to your transactions. It works from the numbers you type in, and the only thing it keeps from your sign-in is your name and email address.
One number to give your bank
Whatever you've put in, the payment view collapses it into the transfers to set up — per pocket, or per bill if you'd rather keep them separate. Copy the figures across once and the pockets fill themselves.
| Standing order | Orders | Mode | |
|---|---|---|---|
| Bills & insurance | €82.73 | 1 order | Combined |
| Streaming | €31.97 | 3 orders | Per bill |
| Car | €146.50 | 1 order | Combined |
| Every month | €261.20 | ||
Free for your first pocket
One pocket covers most people's awkward bills. If you want to keep them in separate envelopes, that's what Premium is for.
Free
Start hereThe whole engine, on one pocket. No card, no trial clock.
- One pocket with unlimited bills in it
- Payday-aware balance and accrual math
- Standing-order amounts, combined or per bill
- 12-month projection and missed-paycheck checks
- Locale and currency of your choice
Premium
In the worksWe haven't settled on a number yet. Start free — you'll hear about it before anything changes.
- Everything in Free
- Unlimited pockets, each with its own transfer
- Per-pocket colours and payment modes
- Side-by-side totals across every pocket
The things people ask first
Do I have to connect my bank account?
No — and you cannot, by design. FixSpend has no banking integration and no read access to your transactions. You type in what you get paid and what you owe; it does the arithmetic and hands you back the transfer amounts. The only personal data it stores is the name and email address from your sign-in.
Does it move money for me?
It does not. FixSpend tells you the exact standing order to set up; you set it up in your own bank, in whatever way you normally would. That keeps the app on the safe side of your money and means nothing breaks if you stop using it.
Why does the balance jump on payday instead of creeping up daily?
Because that is what a real account does. Money arrives on paydays, so FixSpend splits each charge into one installment per payday inside its billing cycle, and the balance it asks for steps up when each of those paydays passes. There is a smooth day-by-day view too if you prefer to see the even accrual — the toggle is right on the pocket.
What billing cycles are supported?
Weekly, monthly, quarterly, yearly, and any custom interval of N months — so half-yearly insurance or a bill every four months both work. Pay frequency can be weekly, every two weeks, twice a month, or monthly.
What happens if a charge goes through while I am away?
Anything that came due since your last visit is surfaced when you sign in, as a short review list you confirm or adjust. The same goes for paychecks you never logged — FixSpend compares your logged paychecks against the expected schedule and flags the gaps rather than silently drifting.
Can I use it in a currency other than euro?
Yes. Currency and locale are settings, and every amount and date on the page follows them — including the date picker, which uses your locale rather than a fixed format.
Take the surprise out of next March.
Set up your income, drop your bills into a pocket, and let FixSpend tell you the one transfer that keeps every one of them covered.
Free for your first pocket · No card required · No bank connection