Smart Spend: Cost Analyzer 4+

Spending Tracker & Budget

Scicotherapy Labs LLC

Designed for iPhone

    • 4.7 • 233 Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots


Smart Spend is a different approach to budgeting. If you want to save some of your hard earned money, you should think of that saved money as invisible. This means that you should have the mindset that your salary is really LOWER than it is on paper and each purchase is worth a higher percentage of your time. We take all of the guesswork out of these calculations so that you can carefully weigh if a purchase is worthwhile AND hit your saving target each month.

Smart Spend is meant to serve as a hard stop before making otherwise impulsive financial decisions. It allows you to quickly assess if a purchase is truly worthwhile to make, given your current financial situation and the things that you find valuable.

Within a few days of starting Smart Spend, you will notice your spending habits begin to change. You'll start to internalize the costs of your everyday purchases. In a few weeks, you'll be cutting excessive spending and saving more than you ever thought possible!

Smart spend is very easy to use. For people new to saving, there is no need to spend a huge amount of time preparing a budget. Start typing how much you want to spend and immediately get valuable insight.

~ Get a reality check of how much your purchases really cost-- in your own terms
~ Widgets for iOS 14+ users
~ Use Siri to enter your purchases
~ Import purchases from .csv files
~ Earn trophies as your spending habits get better
~ Customizable daily spending notifications sent each evening
~ Select from a variety of common currencies

Try "Smart Spend Extreme" with Cash Cache to accelerate your saving goals

Privacy and Philosophy: We pride ourselves on keeping your personal data on your device! We don’t ask for email, last name, bank account login. Our budgeting mindset is old school and effective because YOU simply have to put in the work. You can’t gain muscle without exercise. Developing better spending habits requires practice and repetition. You put in the elbow grease and we’ll use technology, psychology and economics to help you meet your goals.

Privacy Policy:
User Agreement:

What’s New

Version 4.0.4

We've made some major changes! We intend to continue to make Smart Spend better, but we need your support. We've introduced a premium app tier and premium features in this version. We'd like to make our premium offerings as flexible as possible, so you can choose to buy individual features, a premium subscription, or just use the app's main functionality for free.

Funds from the premium tier will enable us to continue to make Smart Spend better and we anticipate more updates and exciting features coming your way! As always, we appreciate your continued support.

If we have made your experience better, we would really appreciate it if you would take the time to share our app with a friend and leave us a positive app store review! The budgeting app space is super crowded and the only way we compete is by our users making a joyful noise about us! We really appreciate it!

Ratings and Reviews

4.7 out of 5
233 Ratings

233 Ratings

margo79 ,

Loving it so far!

Just started out setting it up & tracking my expenses. It was very easy to setup. So far this has been the most useful app for me to budget and get a handle on my expenses by analyzing the impact of each purchase on my budget. It is extremely insightful! I greatly appreciate that this is a free app without ads!!! I also appreciate the respect for privacy of our data by not requesting email or account setup. The developers seem to be very open to feedback & responsive to suggestions. Look forward to continuing to learn & use this app. Awesome so far & kudos to the developers!

Alsoomse ,

Great app for analyzing spending

This is by far my favorite app to track, analyze and control my spending, while preserving savings. I like the real income feature where your savings and bills are excluded from your monthly income, with the remaining amount being your true monthly discretionary income. I also like the feature where you can keep a list of items that you would like to purchase but don’t need. You can use the app to analyze whether the item is worth the cost based on the loss taken in terms of hourly, weekly and monthly income. Just a great, fun app that I have been using on a daily basis!

Alsharkawey ,

Great App

Straight forward, no sign in or account creations, so simple and easy to use. I have one comment I wish the developers will add. is additional income like bonus or any other source of income which can be changed monthly like purchases or different expenses & the ability to change the savings by numbers not only percentage. You guys deserve more than 5 Stars.

App Privacy

The developer, Scicotherapy Labs LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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