What is iSpent19?

iSpent19 is a money tracking app for managing personal finances and shared spending in one place. It is aimed at people who need to see both their own transactions and what others have spent on joint costs — for example students splitting a house share, couples managing household finances, or landlords tracking expenses. According to the site, setup takes under 3 minutes and is free.

What the app does

The site describes three connected areas of functionality.

Personal finance consolidation

iSpent19 lets you securely consolidate personal finance, current accounts and credit cards in one app, so you can track your spending in one place. The stated purpose is convenience and calm: instead of checking multiple banking apps, you see your spending together.

Personalisation and control

You can tag, track, attach, annotate and link transactions. The idea is to create a money tracking app that is meaningful to you — so transactions are not just a raw list, but organised in a way that reflects how you think about your money.

Shared spending with My Lounge

For expenses shared with others, iSpent19 offers a way to track shared spend and transactions. My Lounge lets you share what you've spent with others in virtual Private Rooms, so everyone can see who spent what, and on what.

The site gives three example situations:

• A group holiday
• Household bills for a house share
• Managing finances within a couple

It also points students, couples and landlords to how My Lounge works for them.

Security and regulation

The site states that the app offers bank-level security and is registered with the FCA for Open Banking. If regulatory status or data handling matters to your decision, verify these claims directly with the app and the relevant register before relying on them.

Who it is for

How to get started

1. Get the app from the link on the iSpent19 site.
2. Set up your account — the site says this takes under 3 minutes and is free.
3. Connect the accounts and cards you want to track.
4. Tag and annotate transactions so the tracking reflects your own categories.
5. Create or join a Private Room in My Lounge for any shared spending, and share transactions with the people involved.

The expected result is a single view of your own spending plus a transparent record of group spending that everyone in the room can see.

Points to check before committing

• The site does not publish pricing details, so confirm current costs in the app.
• It does not list which banks or card providers are supported — check that yours is covered.
• Open Banking access and FCA registration are stated on the site; confirm the current status yourself if this is a deciding factor.
• Availability and any account or regional restrictions are not specified on the page.