Sable Spend

People who budget across US and Canadian accounts have no way to see one true net worth, since apps like YNAB and Monarch don't combine currencies. Building a first budget from scratch is tedious, often described as taking a whole Sunday with a blank spreadsheet, because no one knows what number to put in categories like groceries. Meanwhile, established budgeting apps charge around $14.99/month, and users switching from Mint after it shut down were pushed toward an ads-driven company. Faith-conscious spenders also lack tools to track zakat obligations or check purchases against ethical boycott lists like BDS.

Sable Spend is a budgeting app, available on web and iOS, that links bank accounts through Plaid and auto-categorizes transactions. It combines USD and CAD accounts into one real net worth figure, and auto-builds a starting budget by reading a user's real spending history rather than starting from a blank slate. It includes an AI assistant that answers plain-English questions like affordability of a vacation using actual account data, net worth forecasting 1 to 10+ years out, rollover budgets, split transactions, recurring transaction tracking, spouse/household sharing with two logins, and CSV import. For faith-conscious users it offers a daily Islamic reminder, an automatic zakat calculator, and a BDS boycott-list tracker that flags transactions at roughly 4,700 listed companies. Security is handled via Clerk for sign-in and Plaid for bank connections, with encryption in transit and at rest, and the company states it does not sell user data.